Side-by-side · Q2 2026 data
First Commerce Bank vs Heritage South Community Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | First Commerce Bank | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 97 (stronger) | 75 |
| Earnings | 97 (stronger) | 96 |
| Funding & liquidity | 55 | 69 (stronger) |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 68th | 92nd |
| Total assets | $935.1M | $361.9M |
| Deposits / shares | $824.8M | $298.1M |
| Capital ratio | 10.21% | 17.08% (stronger) |
| Problem loans | 0.08% (stronger) | 0.75% |
| Net charge-offs | 0.04% (stronger) | 0.47% |
| Return on assets | 1.91% (stronger) | 1.89% |
| Loans ÷ deposits | 86.2% (stronger) | 91.5% |
| Uninsured deposits | 32.0% | 6.5% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Commerce 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.