Side-by-side · Q2 2026 data
FSNB, National Association vs Appalachian Community Federal Credit Union
Credit union
Appalachian Community Federal Credit Union
Kingsport, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | FSNB, National Association | Appalachian Community Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 88 | 91 (stronger) |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 99th | 51st |
| Total assets | $478.3M | $182.8M |
| Deposits / shares | $369.7M | $161.4M |
| Capital ratio | 17.51% (stronger) | 10.99% |
| Problem loans | 0.36% | 0.26% (stronger) |
| Net charge-offs | 1.02% | 0.22% (stronger) |
| Return on assets | 3.46% (stronger) | 0.69% |
| Loans ÷ deposits | 39.2% (stronger) | 92.8% |
| Uninsured deposits | 8.2% | 6.9% (stronger) |
| Offices | 66 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.5% |
FSNB, National Association has the higher TellerScore (96 vs 70). On the 7 directional measures above (where higher or lower is clearly better), FSNB, National Association leads on 4 and Appalachian Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.