Side-by-side · Q2 2026 data
Veritas Federal Credit Union vs Jack Daniel Employees Credit Union
Credit union
Jack Daniel Employees Credit Union
Lynchburg, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Veritas Federal Credit Union | Jack Daniel Employees Credit Union |
|---|---|---|
| TellerScore | 57 | 74 (stronger) |
| Capital cushion | 30 | 63 (stronger) |
| Loan quality | 80 (stronger) | 79 |
| Earnings | 39 | 67 (stronger) |
| Funding & liquidity | 76 | 83 (stronger) |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 17th | 49th |
| Total assets | $57.1M | $56.7M |
| Deposits / shares | $52.2M | $49.8M |
| Capital ratio | 7.99% | 11.32% (stronger) |
| Problem loans | 0.60% (stronger) | 0.63% |
| Net charge-offs | 1.12% | 0.14% (stronger) |
| Return on assets | 0.48% | 1.18% (stronger) |
| Loans ÷ deposits | 84.0% | 77.6% (stronger) |
| Uninsured deposits | 3.8% (stronger) | 5.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Jack Daniel Employees Credit Union has the higher TellerScore (74 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Veritas Federal Credit Union leads on 2 and Jack Daniel Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.