Side-by-side · Q2 2026 data
United Southeast Federal Credit Union vs Happy Valley Credit Union
Credit union
United Southeast Federal Credit Union
Bristol, Tennessee · $100 million – $1 billion
Credit union
Happy Valley Credit Union
Elizabethton, Tennessee · Under $100 million in assets
Metric by metric
| Measure | United Southeast Federal Credit Union | Happy Valley Credit Union |
|---|---|---|
| TellerScore | 78 | 86 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 87 (stronger) | 73 |
| Earnings | 42 | 63 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 74th | 80th |
| Total assets | $256.0M | $36.9M |
| Deposits / shares | $220.6M | $30.4M |
| Capital ratio | 13.49% | 18.25% (stronger) |
| Problem loans | 0.40% (stronger) | 0.82% |
| Net charge-offs | 0.74% (stronger) | 0.82% |
| Return on assets | 0.55% | 1.09% (stronger) |
| Loans ÷ deposits | 72.5% | 31.3% (stronger) |
| Uninsured deposits | 6.6% | 2.8% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Happy Valley Credit Union has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), United Southeast Federal Credit Union leads on 2 and Happy Valley Credit Union on 5. 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.