Side-by-side · Q2 2026 data
Family Advantage Federal Credit Union vs Heritage South Community Credit Union
Credit union
Family Advantage Federal Credit Union
Spring Hill, Tennessee · Under $100 million in assets
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Family Advantage Federal Credit Union | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 59 | 88 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 71 | 75 (stronger) |
| Earnings | 20 | 96 (stronger) |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 20th | 92nd |
| Total assets | $93.4M | $361.9M |
| Deposits / shares | $85.2M | $298.1M |
| Capital ratio | 9.18% | 17.08% (stronger) |
| Problem loans | 0.88% | 0.75% (stronger) |
| Net charge-offs | 2.30% | 0.47% (stronger) |
| Return on assets | 0.01% | 1.89% (stronger) |
| Loans ÷ deposits | 40.7% (stronger) | 91.5% |
| Uninsured deposits | 2.7% (stronger) | 6.5% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Family Advantage Federal Credit Union leads on 2 and Heritage South Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.