Side-by-side · Q2 2026 data
Trust Federal Credit Union vs Chattanooga Federal Employees Credit Union
Credit union
Trust Federal Credit Union
Chattanooga, Tennessee · $100 million – $1 billion
Credit union
Chattanooga Federal Employees Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Trust Federal Credit Union | Chattanooga Federal Employees Credit Union |
|---|---|---|
| TellerScore | 44 | 85 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 0 | 87 (stronger) |
| Earnings | 34 | 43 (stronger) |
| Funding & liquidity | 74 | 97 (stronger) |
| Problem-loan coverage | 55 | 97 (stronger) |
| Peer percentile | 2nd | 77th |
| Total assets | $141.8M | $76.0M |
| Deposits / shares | $123.7M | $63.1M |
| Capital ratio | 11.65% | 16.86% (stronger) |
| Problem loans | 3.41% | 0.39% (stronger) |
| Net charge-offs | 0.23% (stronger) | 0.36% |
| Return on assets | 0.36% | 0.56% (stronger) |
| Loans ÷ deposits | 85.8% | 63.4% (stronger) |
| Uninsured deposits | 11.8% | 4.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | 15.6% |
Chattanooga Federal Employees Credit Union has the higher TellerScore (85 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Trust Federal Credit Union leads on 1 and Chattanooga Federal Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.