Side-by-side · Q2 2026 data
First Community Bank of Tennessee vs Heritage South Community Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | First Community Bank of Tennessee | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 62 | 88 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 75 | 75 |
| Earnings | 49 | 96 (stronger) |
| Funding & liquidity | 59 | 69 (stronger) |
| Problem-loan coverage | 85 | 93 (stronger) |
| Peer percentile | 22nd | 92nd |
| Total assets | $943.8M | $361.9M |
| Deposits / shares | $702.1M | $298.1M |
| Capital ratio | 10.32% | 17.08% (stronger) |
| Problem loans | 0.75% | 0.75% (stronger) |
| Net charge-offs | 0.21% (stronger) | 0.47% |
| Return on assets | 0.73% | 1.89% (stronger) |
| Loans ÷ deposits | 100.3% | 91.5% (stronger) |
| Uninsured deposits | 16.0% | 6.5% (stronger) |
| 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 62). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Tennessee 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.