Side-by-side · Q2 2026 data
Greater Experience Credit Union vs Happy Valley Credit Union
Credit union
Greater Experience Credit Union
Johnson City, Tennessee · Under $100 million in assets
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Greater Experience Credit Union | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 64 | 86 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 51 | 73 (stronger) |
| Earnings | 15 | 63 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 28th | 80th |
| Total assets | $56.4M | $36.9M |
| Deposits / shares | $48.3M | $30.4M |
| Capital ratio | 14.00% | 18.25% (stronger) |
| Problem loans | 1.47% | 0.82% (stronger) |
| Net charge-offs | 0.77% (stronger) | 0.82% |
| Return on assets | -0.11% | 1.09% (stronger) |
| Loans ÷ deposits | 76.9% | 31.3% (stronger) |
| Uninsured deposits | 4.8% | 2.8% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Happy Valley Credit Union has the higher TellerScore (86 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Greater Experience Credit Union leads on 1 and Happy Valley Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.