Side-by-side · Q2 2026 data
The Citizens Bank of Georgia vs Happy Valley Credit Union
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | The Citizens Bank of Georgia | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 85 | 86 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 94 (stronger) | 63 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 88th | 80th |
| Total assets | $598.5M | $36.9M |
| Deposits / shares | $531.3M | $30.4M |
| Capital ratio | 11.49% | 18.25% (stronger) |
| Problem loans | 0.00% (stronger) | 0.82% |
| Net charge-offs | -0.01% (stronger) | 0.82% |
| Return on assets | 1.86% (stronger) | 1.09% |
| Loans ÷ deposits | 60.6% | 31.3% (stronger) |
| Uninsured deposits | 33.1% | 2.8% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | — |
Happy Valley Credit Union has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Georgia leads on 3 and Happy Valley 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.