Side-by-side · Q2 2026 data
Trust Federal Credit Union vs Scenic Community Credit Union
Credit union
Trust Federal Credit Union
Chattanooga, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Trust Federal Credit Union | Scenic Community Credit Union |
|---|---|---|
| TellerScore | 44 | 47 (stronger) |
| Capital cushion | 67 (stronger) | 44 |
| Loan quality | 0 | 51 (stronger) |
| Earnings | 34 (stronger) | 20 |
| Funding & liquidity | 74 (stronger) | 67 |
| Problem-loan coverage | 55 | 66 (stronger) |
| Peer percentile | 2nd | 4th |
| Total assets | $141.8M | $163.8M |
| Deposits / shares | $123.7M | $147.5M |
| Capital ratio | 11.65% (stronger) | 9.37% |
| Problem loans | 3.41% | 1.46% (stronger) |
| Net charge-offs | 0.23% (stronger) | 1.02% |
| Return on assets | 0.36% (stronger) | 0.00% |
| Loans ÷ deposits | 85.8% (stronger) | 93.7% |
| Uninsured deposits | 11.8% | 4.2% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Scenic Community Credit Union has the higher TellerScore (47 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Trust Federal Credit Union leads on 4 and Scenic Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.