Side-by-side · Q2 2026 data
Jack Daniel Employees Credit Union vs Horizon Credit Union
Credit union
Jack Daniel Employees Credit Union
Lynchburg, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Jack Daniel Employees Credit Union | Horizon Credit Union |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 63 | 69 (stronger) |
| Loan quality | 79 | 96 (stronger) |
| Earnings | 67 (stronger) | 48 |
| Funding & liquidity | 83 (stronger) | 80 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 49th | 54th |
| Total assets | $56.7M | $60.2M |
| Deposits / shares | $49.8M | $53.8M |
| Capital ratio | 11.32% | 11.89% (stronger) |
| Problem loans | 0.63% | 0.11% (stronger) |
| Net charge-offs | 0.14% | 0.01% (stronger) |
| Return on assets | 1.18% (stronger) | 0.69% |
| Loans ÷ deposits | 77.6% (stronger) | 80.3% |
| Uninsured deposits | 5.1% | 2.4% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Credit Union has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Jack Daniel Employees Credit Union leads on 2 and Horizon Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.