Side-by-side · Q2 2026 data
Millennium Bank vs Tennessee Valley Federal Credit Union
Credit union
Tennessee Valley Federal Credit Union
Chattanooga, Tennessee · $1 billion – $10 billion
Metric by metric
| Measure | Millennium Bank | Tennessee Valley Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 84 (stronger) |
| Capital cushion | 27 | 98 (stronger) |
| Loan quality | 77 (stronger) | 74 |
| Earnings | 0 | 80 (stronger) |
| Funding & liquidity | 54 | 73 (stronger) |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 4th | 93rd |
| Total assets | $780.8M | $3.3B |
| Deposits / shares | $704.3M | $2.8B |
| Capital ratio | 7.70% | 14.75% (stronger) |
| Problem loans | 0.68% (stronger) | 0.77% |
| Net charge-offs | 1.84% | 0.31% (stronger) |
| Return on assets | -0.64% | 1.51% (stronger) |
| Loans ÷ deposits | 84.6% (stronger) | 87.7% |
| Uninsured deposits | 34.4% | 8.0% (stronger) |
| Offices | 12 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.1% | — |
Tennessee Valley Federal Credit Union has the higher TellerScore (84 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Millennium Bank leads on 2 and Tennessee Valley Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.