Side-by-side · Q2 2026 data
Central State Bank vs Heritage South Credit Union
Metric by metric
| Measure | Central State Bank | Heritage South Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 63 |
| Capital cushion | 40 | 52 (stronger) |
| Loan quality | 95 (stronger) | 71 |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 55 | 81 (stronger) |
| Problem-loan coverage | 96 (stronger) | 82 |
| Peer percentile | 57th | 29th |
| Total assets | $890.7M | $183.7M |
| Deposits / shares | $810.3M | $165.8M |
| Capital ratio | 8.98% | 10.18% (stronger) |
| Problem loans | 0.16% (stronger) | 0.88% |
| Net charge-offs | 0.22% (stronger) | 0.43% |
| Return on assets | 2.01% (stronger) | 0.68% |
| Loans ÷ deposits | 68.0% (stronger) | 79.6% |
| Uninsured deposits | 48.5% | 2.8% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.0% |
Central State Bank has the higher TellerScore (74 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 5 and Heritage South Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.