Side-by-side · Q2 2026 data
Happy Valley Credit Union vs Credit Union of Georgia
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Happy Valley Credit Union | Credit Union of Georgia |
|---|---|---|
| TellerScore | 86 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 73 (stronger) | 67 |
| Earnings | 63 | 68 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 80th | 45th |
| Total assets | $36.9M | $766.1M |
| Deposits / shares | $30.4M | $670.3M |
| Capital ratio | 18.25% (stronger) | 10.46% |
| Problem loans | 0.82% (stronger) | 1.00% |
| Net charge-offs | 0.82% | 0.31% (stronger) |
| Return on assets | 1.09% | 1.20% (stronger) |
| Loans ÷ deposits | 31.3% (stronger) | 79.1% |
| Uninsured deposits | 2.8% (stronger) | 6.8% |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.6% |
Happy Valley Credit Union has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Happy Valley Credit Union leads on 5 and Credit Union of Georgia on 2. 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.