Side-by-side · Q2 2026 data
First Farmers and Merchants 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 Farmers and Merchants Bank | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 96 (stronger) | 75 |
| Earnings | 71 | 96 (stronger) |
| Funding & liquidity | 80 (stronger) | 69 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 88th | 92nd |
| Total assets | $1.8B | $361.9M |
| Deposits / shares | $1.6B | $298.1M |
| Capital ratio | 11.19% | 17.08% (stronger) |
| Problem loans | 0.12% (stronger) | 0.75% |
| Net charge-offs | 0.00% (stronger) | 0.47% |
| Return on assets | 1.27% | 1.89% (stronger) |
| Loans ÷ deposits | 65.8% (stronger) | 91.5% |
| Uninsured deposits | 27.7% | 6.5% (stronger) |
| Offices | 20 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First Farmers and Merchants Bank leads on 3 and Heritage South Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.