Side-by-side · Q2 2026 data
Kellogg Memphis Employees Federal Credit Union vs Smart Choice Credit Union
Credit union
Kellogg Memphis Employees Federal Credit Union
Memphis, Tennessee · Under $100 million in assets
Credit union
Smart Choice Credit Union
Cleveland, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Kellogg Memphis Employees Federal Credit Union | Smart Choice Credit Union |
|---|---|---|
| TellerScore | 48 | 54 (stronger) |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 0 | 66 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 85 | 92 (stronger) |
| Peer percentile | 7th | 13th |
| Total assets | $3.1M | $3.4M |
| Deposits / shares | $2.2M | $3.1M |
| Capital ratio | 29.13% (stronger) | 9.36% |
| Problem loans | 3.55% | 1.03% (stronger) |
| Net charge-offs | -0.34% (stronger) | 3.15% |
| Return on assets | -2.63% | -1.69% (stronger) |
| Loans ÷ deposits | 94.4% | 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 48). On the 6 directional measures above (where higher or lower is clearly better), Kellogg Memphis Employees Federal Credit Union leads on 2 and Smart Choice Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.