Side-by-side · Q2 2026 data
United Southeast Federal Credit Union vs Bowater Employees Credit Union
Credit union
United Southeast Federal Credit Union
Bristol, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | United Southeast Federal Credit Union | Bowater Employees Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 75 |
| Capital cushion | 85 (stronger) | 58 |
| Loan quality | 87 (stronger) | 75 |
| Earnings | 42 | 90 (stronger) |
| Funding & liquidity | 88 (stronger) | 79 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 74th | 66th |
| Total assets | $256.0M | $302.6M |
| Deposits / shares | $220.6M | $267.9M |
| Capital ratio | 13.49% (stronger) | 10.77% |
| Problem loans | 0.40% (stronger) | 0.74% |
| Net charge-offs | 0.74% | 0.49% (stronger) |
| Return on assets | 0.55% | 1.74% (stronger) |
| Loans ÷ deposits | 72.5% (stronger) | 81.2% |
| Uninsured deposits | 6.6% (stronger) | 6.9% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 23.3% |
United Southeast Federal Credit Union has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), United Southeast Federal Credit Union leads on 5 and Bowater Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.