Side-by-side · Q2 2026 data
Hiwassee River Credit Union vs Healthcare Services Credit Union
Credit union
Healthcare Services Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Hiwassee River Credit Union | Healthcare Services Credit Union |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 95 | 99 (stronger) |
| Earnings | 36 | 39 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 49th | 83rd |
| Total assets | $27.5M | $26.1M |
| Deposits / shares | $24.4M | $22.0M |
| Capital ratio | 10.94% | 15.01% (stronger) |
| Problem loans | 0.15% | 0.03% (stronger) |
| Net charge-offs | 0.23% | 0.15% (stronger) |
| Return on assets | 0.40% | 0.47% (stronger) |
| Loans ÷ deposits | 47.1% (stronger) | 64.9% |
| Uninsured deposits | 4.6% | 3.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Healthcare Services Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Hiwassee River Credit Union leads on 1 and Healthcare Services Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.