Side-by-side · Q2 2026 data
Alabama Central Credit Union vs Heritage South Credit Union
Metric by metric
| Measure | Alabama Central Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 63 |
| Capital cushion | 46 | 52 (stronger) |
| Loan quality | 85 (stronger) | 71 |
| Earnings | 58 (stronger) | 47 |
| Funding & liquidity | 87 (stronger) | 81 |
| Problem-loan coverage | 94 (stronger) | 82 |
| Peer percentile | 48th | 29th |
| Total assets | $214.0M | $183.7M |
| Deposits / shares | $192.6M | $165.8M |
| Capital ratio | 9.64% | 10.18% (stronger) |
| Problem loans | 0.44% (stronger) | 0.88% |
| Net charge-offs | 0.05% (stronger) | 0.43% |
| Return on assets | 0.94% (stronger) | 0.68% |
| Loans ÷ deposits | 73.4% (stronger) | 79.6% |
| Uninsured deposits | 3.8% | 2.8% (stronger) |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.0% |
Alabama Central Credit Union has the higher TellerScore (69 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Alabama Central Credit Union leads on 5 and Heritage South Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.