Side-by-side · Q2 2026 data
SmartBank vs Sevier County Schools Federal Credit Union
Credit union
Sevier County Schools Federal Credit Union
Sevierville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | SmartBank | Sevier County Schools Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 99 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 38 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 40th | 99th |
| Total assets | $6.1B | $13.9M |
| Deposits / shares | $5.4B | $10.8M |
| Capital ratio | 9.86% | 21.80% (stronger) |
| Problem loans | 0.24% | 0.09% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.12% | 2.42% (stronger) |
| Loans ÷ deposits | 86.2% | 50.7% (stronger) |
| Uninsured deposits | 47.9% | 0.0% (stronger) |
| Offices | 42 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.9% | — |
Sevier County Schools Federal Credit Union has the higher TellerScore (99 vs 66). On the 7 directional measures above (where higher or lower is clearly better), SmartBank leads on 0 and Sevier County Schools Federal 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.