Side-by-side · Q2 2026 data
Alatrust Credit Union vs Heritage South Credit Union
Metric by metric
| Measure | Alatrust Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 63 |
| Capital cushion | 90 (stronger) | 52 |
| Loan quality | 43 | 71 (stronger) |
| Earnings | 70 (stronger) | 47 |
| Funding & liquidity | 97 (stronger) | 81 |
| Problem-loan coverage | 85 (stronger) | 82 |
| Peer percentile | 66th | 29th |
| Total assets | $224.0M | $183.7M |
| Deposits / shares | $197.8M | $165.8M |
| Capital ratio | 13.97% (stronger) | 10.18% |
| Problem loans | 1.72% | 0.88% (stronger) |
| Net charge-offs | 0.23% (stronger) | 0.43% |
| Return on assets | 1.25% (stronger) | 0.68% |
| Loans ÷ deposits | 63.3% (stronger) | 79.6% |
| Uninsured deposits | 7.8% | 2.8% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 51.5% | 18.0% |
Alatrust Credit Union has the higher TellerScore (75 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Alatrust 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.