Side-by-side · Q2 2026 data
CBL State Savings Bank vs Greenville Heritage Federal Credit Union
Credit union
Greenville Heritage Federal Credit Union
Greenville, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | CBL State Savings Bank | Greenville Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 24 | 51 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 77th | 78th |
| Total assets | $191.3M | $181.2M |
| Deposits / shares | $125.9M | $157.1M |
| Capital ratio | 15.93% (stronger) | 12.53% |
| Problem loans | 0.01% (stronger) | 0.34% |
| Net charge-offs | -0.05% (stronger) | 0.31% |
| Return on assets | 0.10% | 0.78% (stronger) |
| Loans ÷ deposits | 92.6% | 58.9% (stronger) |
| Uninsured deposits | 15.5% | 8.9% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), CBL State Savings Bank leads on 3 and Greenville Heritage Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.