Side-by-side · Q2 2026 data
Citizens Community Bank vs Heritage South Community Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Citizens Community Bank | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 88 |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 87 (stronger) | 75 |
| Earnings | 92 | 96 (stronger) |
| Funding & liquidity | 73 (stronger) | 69 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 95th | 92nd |
| Total assets | $352.6M | $361.9M |
| Deposits / shares | $303.2M | $298.1M |
| Capital ratio | 14.58% | 17.08% (stronger) |
| Problem loans | 0.38% (stronger) | 0.75% |
| Net charge-offs | 0.08% (stronger) | 0.47% |
| Return on assets | 1.79% | 1.89% (stronger) |
| Loans ÷ deposits | 73.5% (stronger) | 91.5% |
| Uninsured deposits | 27.6% | 6.5% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Bank has the higher TellerScore (90 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Citizens Community Bank leads on 4 and Heritage South Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.