Side-by-side · Q2 2026 data
Knoxville Teachers Federal Credit Union vs Employee Resources Credit Union
Credit union
Knoxville Teachers Federal Credit Union
Knoxville, Tennessee · $100 million – $1 billion
Credit union
Employee Resources Credit Union
Lawrenceburg, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Knoxville Teachers Federal Credit Union | Employee Resources Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 62 |
| Capital cushion | 56 (stronger) | 45 |
| Loan quality | 81 | 81 |
| Earnings | 44 (stronger) | 42 |
| Funding & liquidity | 73 (stronger) | 72 |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 37th | 26th |
| Total assets | $259.3M | $185.5M |
| Deposits / shares | $230.6M | $167.6M |
| Capital ratio | 10.61% (stronger) | 9.46% |
| Problem loans | 0.56% (stronger) | 0.58% |
| Net charge-offs | 0.03% (stronger) | 0.60% |
| Return on assets | 0.60% (stronger) | 0.54% |
| Loans ÷ deposits | 87.6% (stronger) | 88.7% |
| Uninsured deposits | 7.6% | 7.0% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.5% | — |
Knoxville Teachers Federal Credit Union has the higher TellerScore (66 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Knoxville Teachers Federal Credit Union leads on 6 and Employee Resources Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.