Side-by-side · Q2 2026 data
Hurd Employees Credit Union vs Smart Choice Credit Union
Credit union
Hurd Employees Credit Union
Greeneville, Tennessee · Under $100 million in assets
Credit union
Smart Choice Credit Union
Cleveland, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Hurd Employees Credit Union | Smart Choice Credit Union |
|---|---|---|
| TellerScore | 46 | 54 (stronger) |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 0 | 66 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 6th | 13th |
| Total assets | $4.3M | $3.4M |
| Deposits / shares | $2.8M | $3.1M |
| Capital ratio | 36.06% (stronger) | 9.36% |
| Problem loans | 3.55% | 1.03% (stronger) |
| Net charge-offs | -0.02% (stronger) | 3.15% |
| Return on assets | -0.78% (stronger) | -1.69% |
| Loans ÷ deposits | 110.8% | 44.8% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Smart Choice Credit Union has the higher TellerScore (54 vs 46). On the 6 directional measures above (where higher or lower is clearly better), Hurd Employees Credit Union leads on 3 and Smart Choice Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.