Side-by-side · Q2 2026 data
Tennessee Valley Federal Credit Union vs Bowater Employees Credit Union
Credit union
Tennessee Valley Federal Credit Union
Chattanooga, Tennessee · $1 billion – $10 billion
Metric by metric
| Measure | Tennessee Valley Federal Credit Union | Bowater Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 75 |
| Capital cushion | 98 (stronger) | 58 |
| Loan quality | 74 | 75 (stronger) |
| Earnings | 80 | 90 (stronger) |
| Funding & liquidity | 73 | 79 (stronger) |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 93rd | 66th |
| Total assets | $3.3B | $302.6M |
| Deposits / shares | $2.8B | $267.9M |
| Capital ratio | 14.75% (stronger) | 10.77% |
| Problem loans | 0.77% | 0.74% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.49% |
| Return on assets | 1.51% | 1.74% (stronger) |
| Loans ÷ deposits | 87.7% | 81.2% (stronger) |
| Uninsured deposits | 8.0% | 6.9% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.3% |
Tennessee Valley Federal Credit Union has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Tennessee Valley Federal Credit Union leads on 3 and Bowater Employees Credit Union on 4. 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.