Side-by-side · Q2 2026 data
Happy Valley Credit Union vs Koin Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Happy Valley Credit Union | Koin Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 73 | 78 (stronger) |
| Earnings | 63 (stronger) | 44 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 80th | 28th |
| Total assets | $36.9M | $34.9M |
| Deposits / shares | $30.4M | $31.6M |
| Capital ratio | 18.25% (stronger) | 9.17% |
| Problem loans | 0.82% | 0.66% (stronger) |
| Net charge-offs | 0.82% | 0.35% (stronger) |
| Return on assets | 1.09% (stronger) | 0.59% |
| Loans ÷ deposits | 31.3% (stronger) | 65.1% |
| Uninsured deposits | 2.8% (stronger) | 9.3% |
| Offices | 4 | 2 |
| 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), Happy Valley Credit Union leads on 5 and Koin Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.