Side-by-side · Q2 2026 data
Tennessee Valley Federal Credit Union vs Smart Choice Credit Union
Credit union
Tennessee Valley Federal Credit Union
Chattanooga, Tennessee · $1 billion – $10 billion
Credit union
Smart Choice Credit Union
Cleveland, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Tennessee Valley Federal Credit Union | Smart Choice Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 54 |
| Capital cushion | 98 (stronger) | 44 |
| Loan quality | 74 (stronger) | 66 |
| Earnings | 80 (stronger) | 0 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 93rd | 13th |
| Total assets | $3.3B | $3.4M |
| Deposits / shares | $2.8B | $3.1M |
| Capital ratio | 14.75% (stronger) | 9.36% |
| Problem loans | 0.77% (stronger) | 1.03% |
| Net charge-offs | 0.31% (stronger) | 3.15% |
| Return on assets | 1.51% (stronger) | -1.69% |
| Loans ÷ deposits | 87.7% | 44.8% (stronger) |
| Uninsured deposits | 8.0% | 0.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tennessee Valley Federal Credit Union has the higher TellerScore (84 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Tennessee Valley Federal Credit Union leads on 5 and Smart Choice Credit Union on 2. 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.