Side-by-side · Q2 2026 data
Tennessee Valley Federal Credit Union vs Church of God Credit Union
Credit union
Tennessee Valley Federal Credit Union
Chattanooga, Tennessee · $1 billion – $10 billion
Metric by metric
| Measure | Tennessee Valley Federal Credit Union | Church of God Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 55 |
| Capital cushion | 98 (stronger) | 23 |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 80 (stronger) | 10 |
| Funding & liquidity | 73 | 73 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 93rd | 15th |
| Total assets | $3.3B | $6.7M |
| Deposits / shares | $2.8B | $6.2M |
| Capital ratio | 14.75% (stronger) | 7.28% |
| Problem loans | 0.77% | 0.00% (stronger) |
| Net charge-offs | 0.31% | 0.09% (stronger) |
| Return on assets | 1.51% (stronger) | -0.26% |
| Loans ÷ deposits | 87.7% | 87.2% (stronger) |
| Uninsured deposits | 8.0% | 0.0% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tennessee Valley Federal Credit Union has the higher TellerScore (84 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Tennessee Valley Federal Credit Union leads on 3 and Church of God 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.