Side-by-side · Q2 2026 data
Memorial Credit Union vs Healthcare Services Credit Union
Credit union
Healthcare Services Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Memorial Credit Union | Healthcare Services Credit Union |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 60 | 99 (stronger) |
| Earnings | 5 | 39 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 34th | 83rd |
| Total assets | $7.1M | $26.1M |
| Deposits / shares | $6.1M | $22.0M |
| Capital ratio | 13.75% | 15.01% (stronger) |
| Problem loans | 1.20% | 0.03% (stronger) |
| Net charge-offs | 0.31% | 0.15% (stronger) |
| Return on assets | -0.38% | 0.47% (stronger) |
| Loans ÷ deposits | 54.1% (stronger) | 64.9% |
| Uninsured deposits | 5.2% | 3.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Healthcare Services Credit Union has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Memorial Credit Union leads on 1 and Healthcare Services Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.