Side-by-side · Q2 2026 data
Trust Federal Credit Union vs Bcbst Employees Credit Union
Credit union
Trust Federal Credit Union
Chattanooga, Tennessee · $100 million – $1 billion
Credit union
Bcbst Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Trust Federal Credit Union | Bcbst Employees Credit Union |
|---|---|---|
| TellerScore | 44 | 90 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 0 | 96 (stronger) |
| Earnings | 34 | 53 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 55 | 100 (stronger) |
| Peer percentile | 2nd | 89th |
| Total assets | $141.8M | $8.3M |
| Deposits / shares | $123.7M | $6.2M |
| Capital ratio | 11.65% | 25.64% (stronger) |
| Problem loans | 3.41% | 0.11% (stronger) |
| Net charge-offs | 0.23% | 0.17% (stronger) |
| Return on assets | 0.36% | 0.82% (stronger) |
| Loans ÷ deposits | 85.8% | 30.9% (stronger) |
| Uninsured deposits | 11.8% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Bcbst Employees Credit Union has the higher TellerScore (90 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Trust Federal Credit Union leads on 0 and Bcbst Employees Credit Union on 7. 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.