Side-by-side · Q2 2026 data
Lee Bank and Trust Company vs Happy Valley Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Lee Bank and Trust Company | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 82 | 86 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 54 | 73 (stronger) |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 82nd | 80th |
| Total assets | $257.3M | $36.9M |
| Deposits / shares | $218.3M | $30.4M |
| Capital ratio | 14.11% | 18.25% (stronger) |
| Problem loans | 1.37% | 0.82% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.82% |
| Return on assets | 3.40% (stronger) | 1.09% |
| Loans ÷ deposits | 58.2% | 31.3% (stronger) |
| Uninsured deposits | 29.6% | 2.8% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Happy Valley Credit Union has the higher TellerScore (86 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Lee Bank and Trust Company leads on 2 and Happy Valley Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.