Side-by-side · Q2 2026 data
Putnam 1st Mercantile Bank vs Middle Tennessee Federal Credit Union
Credit union
Middle Tennessee Federal Credit Union
Cookeville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Putnam 1st Mercantile Bank | Middle Tennessee Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 96 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 96 (stronger) | 87 |
| Earnings | 97 | 98 (stronger) |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 82nd | 97th |
| Total assets | $178.9M | $71.3M |
| Deposits / shares | $159.8M | $59.3M |
| Capital ratio | 11.72% | 16.80% (stronger) |
| Problem loans | 0.13% (stronger) | 0.40% |
| Net charge-offs | 0.05% (stronger) | 1.15% |
| Return on assets | 1.93% | 1.95% (stronger) |
| Loans ÷ deposits | 91.8% | 60.1% (stronger) |
| Uninsured deposits | 24.7% | 5.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Middle Tennessee Federal Credit Union has the higher TellerScore (96 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Putnam 1st Mercantile Bank leads on 2 and Middle Tennessee Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.