Side-by-side · Q2 2026 data
First National Community Bank vs Chattanooga Area Schools Federal Credit Union
Credit union
Chattanooga Area Schools Federal Credit Union
Chattanooga, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | First National Community Bank | Chattanooga Area Schools Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 76 |
| Capital cushion | 79 (stronger) | 70 |
| Loan quality | 86 | 91 (stronger) |
| Earnings | 96 (stronger) | 36 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 86th | 68th |
| Total assets | $754.7M | $199.2M |
| Deposits / shares | $653.2M | $174.5M |
| Capital ratio | 12.92% (stronger) | 12.01% |
| Problem loans | 0.43% | 0.28% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.16% |
| Return on assets | 1.90% (stronger) | 0.41% |
| Loans ÷ deposits | 81.6% | 49.4% (stronger) |
| Uninsured deposits | 28.2% | 15.3% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 3.8% |
First National Community Bank has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 4 and Chattanooga Area Schools Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.