Side-by-side · Q2 2026 data
Scenic Community Credit Union vs Healthcare Services Credit Union
Credit union
Healthcare Services Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Scenic Community Credit Union | Healthcare Services Credit Union |
|---|---|---|
| TellerScore | 47 | 87 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 51 | 99 (stronger) |
| Earnings | 20 | 39 (stronger) |
| Funding & liquidity | 67 | 95 (stronger) |
| Problem-loan coverage | 66 | 99 (stronger) |
| Peer percentile | 4th | 83rd |
| Total assets | $163.8M | $26.1M |
| Deposits / shares | $147.5M | $22.0M |
| Capital ratio | 9.37% | 15.01% (stronger) |
| Problem loans | 1.46% | 0.03% (stronger) |
| Net charge-offs | 1.02% | 0.15% (stronger) |
| Return on assets | 0.00% | 0.47% (stronger) |
| Loans ÷ deposits | 93.7% | 64.9% (stronger) |
| Uninsured deposits | 4.2% | 3.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Healthcare Services Credit Union has the higher TellerScore (87 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Scenic Community Credit Union leads on 0 and Healthcare Services Credit Union on 7. 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.