Side-by-side · Q2 2026 data
Knox County Teachers Federal Credit Union vs Happy Valley Credit Union
Credit union
Knox County Teachers Federal Credit Union
Knoxville, Tennessee · Under $100 million in assets
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Knox County Teachers Federal Credit Union | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 74 (stronger) | 63 |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 94th | 80th |
| Total assets | $34.4M | $36.9M |
| Deposits / shares | $28.9M | $30.4M |
| Capital ratio | 15.47% | 18.25% (stronger) |
| Problem loans | 0.01% (stronger) | 0.82% |
| Net charge-offs | 0.03% (stronger) | 0.82% |
| Return on assets | 1.34% (stronger) | 1.09% |
| Loans ÷ deposits | 70.8% | 31.3% (stronger) |
| Uninsured deposits | 2.4% (stronger) | 2.8% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Knox County Teachers Federal Credit Union has the higher TellerScore (93 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Knox County Teachers Federal Credit Union leads on 5 and Happy Valley Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.