Side-by-side · Q2 2026 data
Healthcare Services Credit Union vs Smart Choice Credit Union
Credit union
Healthcare Services Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Credit union
Smart Choice Credit Union
Cleveland, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Healthcare Services Credit Union | Smart Choice Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 99 (stronger) | 66 |
| Earnings | 39 (stronger) | 0 |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 83rd | 13th |
| Total assets | $26.1M | $3.4M |
| Deposits / shares | $22.0M | $3.1M |
| Capital ratio | 15.01% (stronger) | 9.36% |
| Problem loans | 0.03% (stronger) | 1.03% |
| Net charge-offs | 0.15% (stronger) | 3.15% |
| Return on assets | 0.47% (stronger) | -1.69% |
| Loans ÷ deposits | 64.9% | 44.8% (stronger) |
| Uninsured deposits | 3.1% | 0.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Healthcare Services Credit Union has the higher TellerScore (87 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Healthcare Services Credit Union leads on 5 and Smart Choice Credit Union 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.