Side-by-side · Q2 2026 data
First National Community Bank vs Tennessee Valley Federal Credit Union
Credit union
Tennessee Valley Federal Credit Union
Chattanooga, Tennessee · $1 billion – $10 billion
Metric by metric
| Measure | First National Community Bank | Tennessee Valley Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 79 | 98 (stronger) |
| Loan quality | 86 (stronger) | 74 |
| Earnings | 96 (stronger) | 80 |
| Funding & liquidity | 64 | 73 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 86th | 93rd |
| Total assets | $754.7M | $3.3B |
| Deposits / shares | $653.2M | $2.8B |
| Capital ratio | 12.92% | 14.75% (stronger) |
| Problem loans | 0.43% (stronger) | 0.77% |
| Net charge-offs | -0.01% (stronger) | 0.31% |
| Return on assets | 1.90% (stronger) | 1.51% |
| Loans ÷ deposits | 81.6% (stronger) | 87.7% |
| Uninsured deposits | 28.2% | 8.0% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First National Community Bank leads on 4 and Tennessee Valley Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.