Side-by-side · Q2 2026 data
Lanier Federal Credit Union vs Happy Valley Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Lanier Federal Credit Union | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 53 | 86 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 82 (stronger) | 73 |
| Earnings | 0 | 63 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 12th | 80th |
| Total assets | $71.6M | $36.9M |
| Deposits / shares | $64.3M | $30.4M |
| Capital ratio | 9.31% | 18.25% (stronger) |
| Problem loans | 0.53% (stronger) | 0.82% |
| Net charge-offs | 0.67% (stronger) | 0.82% |
| Return on assets | -0.70% | 1.09% (stronger) |
| Loans ÷ deposits | 92.0% | 31.3% (stronger) |
| Uninsured deposits | 1.4% (stronger) | 2.8% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Happy Valley Credit Union has the higher TellerScore (86 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Lanier Federal Credit Union leads on 3 and Happy Valley Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.