Side-by-side · Q2 2026 data
America'S First Federal Credit Union vs Heritage South Credit Union
Credit union
America'S First Federal Credit Union
Birmingham, Alabama · $1 billion – $10 billion
Metric by metric
| Measure | America'S First Federal Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 63 |
| Capital cushion | 73 (stronger) | 52 |
| Loan quality | 74 (stronger) | 71 |
| Earnings | 70 (stronger) | 47 |
| Funding & liquidity | 69 | 81 (stronger) |
| Problem-loan coverage | 90 (stronger) | 82 |
| Peer percentile | 72nd | 29th |
| Total assets | $2.8B | $183.7M |
| Deposits / shares | $2.4B | $165.8M |
| Capital ratio | 12.25% (stronger) | 10.18% |
| Problem loans | 0.77% (stronger) | 0.88% |
| Net charge-offs | 0.51% | 0.43% (stronger) |
| Return on assets | 1.24% (stronger) | 0.68% |
| Loans ÷ deposits | 90.9% | 79.6% (stronger) |
| Uninsured deposits | 5.3% | 2.8% (stronger) |
| Offices | 17 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.0% |
America'S First Federal Credit Union has the higher TellerScore (74 vs 63). On the 7 directional measures above (where higher or lower is clearly better), America'S First Federal Credit Union leads on 4 and Heritage South Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.