Side-by-side · Q2 2026 data
Scenic Community Credit Union vs Employee Resources Credit Union
Credit union
Employee Resources Credit Union
Lawrenceburg, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Scenic Community Credit Union | Employee Resources Credit Union |
|---|---|---|
| TellerScore | 47 | 62 (stronger) |
| Capital cushion | 44 | 45 (stronger) |
| Loan quality | 51 | 81 (stronger) |
| Earnings | 20 | 42 (stronger) |
| Funding & liquidity | 67 | 72 (stronger) |
| Problem-loan coverage | 66 | 89 (stronger) |
| Peer percentile | 4th | 26th |
| Total assets | $163.8M | $185.5M |
| Deposits / shares | $147.5M | $167.6M |
| Capital ratio | 9.37% | 9.46% (stronger) |
| Problem loans | 1.46% | 0.58% (stronger) |
| Net charge-offs | 1.02% | 0.60% (stronger) |
| Return on assets | 0.00% | 0.54% (stronger) |
| Loans ÷ deposits | 93.7% | 88.7% (stronger) |
| Uninsured deposits | 4.2% (stronger) | 7.0% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Employee Resources Credit Union has the higher TellerScore (62 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Scenic Community Credit Union leads on 1 and Employee Resources Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.