Side-by-side · Q2 2026 data
First Freedom 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 Freedom Bank | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 85 | 88 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 100 (stronger) | 96 |
| Funding & liquidity | 53 | 69 (stronger) |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 88th | 92nd |
| Total assets | $817.8M | $361.9M |
| Deposits / shares | $710.0M | $298.1M |
| Capital ratio | 12.45% | 17.08% (stronger) |
| Problem loans | 0.01% (stronger) | 0.75% |
| Net charge-offs | 0.13% (stronger) | 0.47% |
| Return on assets | 1.99% (stronger) | 1.89% |
| Loans ÷ deposits | 95.8% | 91.5% (stronger) |
| Uninsured deposits | 25.0% | 6.5% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 85). On the 7 directional measures above (where higher or lower is clearly better), First Freedom 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.