Side-by-side · Q2 2026 data
Mountain Valley Bank vs Tennessee Valley Federal Credit Union
Credit union
Tennessee Valley Federal Credit Union
Chattanooga, Tennessee · $1 billion – $10 billion
Metric by metric
| Measure | Mountain Valley Bank | Tennessee Valley Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 84 (stronger) |
| Capital cushion | 50 | 98 (stronger) |
| Loan quality | 82 (stronger) | 74 |
| Earnings | 40 | 80 (stronger) |
| Funding & liquidity | 60 | 73 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 22nd | 93rd |
| Total assets | $254.6M | $3.3B |
| Deposits / shares | $198.9M | $2.8B |
| Capital ratio | 10.02% | 14.75% (stronger) |
| Problem loans | 0.54% (stronger) | 0.77% |
| Net charge-offs | 0.41% | 0.31% (stronger) |
| Return on assets | 0.51% | 1.51% (stronger) |
| Loans ÷ deposits | 100.7% | 87.7% (stronger) |
| Uninsured deposits | 13.5% | 8.0% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tennessee Valley Federal Credit Union has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Mountain Valley Bank leads on 1 and Tennessee Valley Federal Credit Union on 6. 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.