Side-by-side · Q2 2026 data
FSNB, National Association vs Happy Valley Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | FSNB, National Association | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 88 (stronger) | 73 |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 99th | 80th |
| Total assets | $478.3M | $36.9M |
| Deposits / shares | $369.7M | $30.4M |
| Capital ratio | 17.51% | 18.25% (stronger) |
| Problem loans | 0.36% (stronger) | 0.82% |
| Net charge-offs | 1.02% | 0.82% (stronger) |
| Return on assets | 3.46% (stronger) | 1.09% |
| Loans ÷ deposits | 39.2% | 31.3% (stronger) |
| Uninsured deposits | 8.2% | 2.8% (stronger) |
| Offices | 66 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FSNB, National Association has the higher TellerScore (96 vs 86). On the 7 directional measures above (where higher or lower is clearly better), FSNB, National Association leads on 3 and Happy Valley Credit Union on 4. 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.