Side-by-side · Q2 2026 data
Northside Federal Credit Union vs Happy Valley Credit Union
Credit union
Northside Federal Credit Union
Atlanta, Georgia · Under $100 million in assets
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Northside Federal Credit Union | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 82 (stronger) | 73 |
| Earnings | 71 (stronger) | 63 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 85th | 80th |
| Total assets | $20.8M | $36.9M |
| Deposits / shares | $16.8M | $30.4M |
| Capital ratio | 18.92% (stronger) | 18.25% |
| Problem loans | 0.54% (stronger) | 0.82% |
| Net charge-offs | 0.81% (stronger) | 0.82% |
| Return on assets | 1.27% (stronger) | 1.09% |
| Loans ÷ deposits | 70.3% | 31.3% (stronger) |
| Uninsured deposits | 0.5% (stronger) | 2.8% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northside Federal Credit Union has the higher TellerScore (88 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Northside Federal Credit Union leads on 6 and Happy Valley Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.