Side-by-side · Q2 2026 data
Citizens Savings Bank and Trust Company vs Heritage South Community Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Citizens Savings Bank and Trust Company | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 32 | 88 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 9 | 75 (stronger) |
| Earnings | 29 | 96 (stronger) |
| Funding & liquidity | 43 | 69 (stronger) |
| Problem-loan coverage | 41 | 93 (stronger) |
| Peer percentile | 1st | 92nd |
| Total assets | $188.1M | $361.9M |
| Deposits / shares | $156.5M | $298.1M |
| Capital ratio | 9.56% | 17.08% (stronger) |
| Problem loans | 2.72% | 0.75% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.47% |
| Return on assets | 0.22% | 1.89% (stronger) |
| Loans ÷ deposits | 101.3% | 91.5% (stronger) |
| Uninsured deposits | 28.8% | 6.5% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 52.7% | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank and Trust Company leads on 1 and Heritage South Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.