Side-by-side · Q2 2026 data
First National Community Bank vs Bcbst Employees Credit Union
Credit union
Bcbst Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | First National Community Bank | Bcbst Employees Credit Union |
|---|---|---|
| TellerScore | 84 | 90 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 86 | 96 (stronger) |
| Earnings | 96 (stronger) | 53 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 86th | 89th |
| Total assets | $754.7M | $8.3M |
| Deposits / shares | $653.2M | $6.2M |
| Capital ratio | 12.92% | 25.64% (stronger) |
| Problem loans | 0.43% | 0.11% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.17% |
| Return on assets | 1.90% (stronger) | 0.82% |
| Loans ÷ deposits | 81.6% | 30.9% (stronger) |
| Uninsured deposits | 28.2% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Bcbst Employees Credit Union has the higher TellerScore (90 vs 84). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 2 and Bcbst Employees Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.