Side-by-side · Q2 2026 data
Coosa Pines Federal Credit Union vs Heritage South Credit Union
Credit union
Coosa Pines Federal Credit Union
Childersburg, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Coosa Pines Federal Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 71 | 71 |
| Earnings | 91 (stronger) | 47 |
| Funding & liquidity | 88 (stronger) | 81 |
| Problem-loan coverage | 93 (stronger) | 82 |
| Peer percentile | 92nd | 29th |
| Total assets | $420.8M | $183.7M |
| Deposits / shares | $356.6M | $165.8M |
| Capital ratio | 16.20% (stronger) | 10.18% |
| Problem loans | 0.87% (stronger) | 0.88% |
| Net charge-offs | 0.70% | 0.43% (stronger) |
| Return on assets | 1.77% (stronger) | 0.68% |
| Loans ÷ deposits | 72.3% (stronger) | 79.6% |
| Uninsured deposits | 7.3% | 2.8% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | 18.0% |
Coosa Pines Federal Credit Union has the higher TellerScore (88 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Coosa Pines Federal Credit Union leads on 5 and Heritage South Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sylacauga, AL
- Childersburg, AL