Side-by-side · Q2 2026 data
RockPointBank, National Association vs Bcbst Employees Credit Union
Credit union
Bcbst Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | RockPointBank, National Association | Bcbst Employees Credit Union |
|---|---|---|
| TellerScore | 68 | 90 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 96 | 96 |
| Earnings | 33 | 53 (stronger) |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 37th | 89th |
| Total assets | $384.5M | $8.3M |
| Deposits / shares | $335.8M | $6.2M |
| Capital ratio | 12.13% | 25.64% (stronger) |
| Problem loans | 0.13% | 0.11% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.17% |
| Return on assets | 0.33% | 0.82% (stronger) |
| Loans ÷ deposits | 92.1% | 30.9% (stronger) |
| Uninsured deposits | 36.6% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Bcbst Employees Credit Union has the higher TellerScore (90 vs 68). On the 7 directional measures above (where higher or lower is clearly better), RockPointBank, National Association leads on 1 and Bcbst Employees 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.