Side-by-side · Q2 2026 data
Alcoa Tenn Federal Credit Union vs Heritage South Community Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Alcoa Tenn Federal Credit Union | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 84 | 88 (stronger) |
| Capital cushion | 89 | 100 (stronger) |
| Loan quality | 65 | 75 (stronger) |
| Earnings | 88 | 96 (stronger) |
| Funding & liquidity | 94 (stronger) | 69 |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 86th | 92nd |
| Total assets | $426.9M | $361.9M |
| Deposits / shares | $367.4M | $298.1M |
| Capital ratio | 13.88% | 17.08% (stronger) |
| Problem loans | 1.05% | 0.75% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.47% |
| Return on assets | 1.69% | 1.89% (stronger) |
| Loans ÷ deposits | 66.0% (stronger) | 91.5% |
| Uninsured deposits | 2.4% (stronger) | 6.5% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Alcoa Tenn Federal Credit Union leads on 3 and Heritage South Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.