Side-by-side · Q2 2026 data
Tennessee Valley Federal Credit Union vs Y-12 Federal Credit Union
Credit union
Tennessee Valley Federal Credit Union
Chattanooga, Tennessee · $1 billion – $10 billion
Metric by metric
| Measure | Tennessee Valley Federal Credit Union | Y-12 Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 70 |
| Capital cushion | 98 (stronger) | 55 |
| Loan quality | 74 | 83 (stronger) |
| Earnings | 80 (stronger) | 77 |
| Funding & liquidity | 73 (stronger) | 56 |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 93rd | 58th |
| Total assets | $3.3B | $2.8B |
| Deposits / shares | $2.8B | $2.2B |
| Capital ratio | 14.75% (stronger) | 10.53% |
| Problem loans | 0.77% | 0.52% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.59% |
| Return on assets | 1.51% (stronger) | 1.44% |
| Loans ÷ deposits | 87.7% (stronger) | 102.8% |
| Uninsured deposits | 8.0% (stronger) | 15.7% |
| Offices | 6 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.4% |
Tennessee Valley Federal Credit Union has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Tennessee Valley Federal Credit Union leads on 6 and Y-12 Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.