Side-by-side · Q2 2026 data
Wayne County Bank vs Employee Resources Credit Union
Credit union
Employee Resources Credit Union
Lawrenceburg, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Wayne County Bank | Employee Resources Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 62 |
| Capital cushion | 86 (stronger) | 45 |
| Loan quality | 76 | 81 (stronger) |
| Earnings | 93 (stronger) | 42 |
| Funding & liquidity | 73 (stronger) | 72 |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 86th | 26th |
| Total assets | $595.1M | $185.5M |
| Deposits / shares | $507.1M | $167.6M |
| Capital ratio | 13.58% (stronger) | 9.46% |
| Problem loans | 0.72% | 0.58% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.60% |
| Return on assets | 1.82% (stronger) | 0.54% |
| Loans ÷ deposits | 82.2% (stronger) | 88.7% |
| Uninsured deposits | 19.7% | 7.0% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wayne County Bank has the higher TellerScore (84 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Wayne County Bank leads on 5 and Employee Resources Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.