Side-by-side · Q2 2026 data
Middle Tennessee Federal Credit Union vs Chattanooga Federal Employees Credit Union
Credit union
Middle Tennessee Federal Credit Union
Cookeville, Tennessee · Under $100 million in assets
Credit union
Chattanooga Federal Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Middle Tennessee Federal Credit Union | Chattanooga Federal Employees Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 85 |
| Capital cushion | 100 | 100 |
| Loan quality | 87 | 87 |
| Earnings | 98 (stronger) | 43 |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 97th | 77th |
| Total assets | $71.3M | $76.0M |
| Deposits / shares | $59.3M | $63.1M |
| Capital ratio | 16.80% | 16.86% (stronger) |
| Problem loans | 0.40% | 0.39% (stronger) |
| Net charge-offs | 1.15% | 0.36% (stronger) |
| Return on assets | 1.95% (stronger) | 0.56% |
| Loans ÷ deposits | 60.1% (stronger) | 63.4% |
| Uninsured deposits | 5.2% | 4.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.6% |
Middle Tennessee Federal Credit Union has the higher TellerScore (96 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Middle Tennessee Federal Credit Union leads on 3 and Chattanooga Federal Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.