Side-by-side · Q2 2026 data
FirstBank vs Heritage South Community Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | FirstBank | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 59 | 88 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 53 | 75 (stronger) |
| Earnings | 78 | 96 (stronger) |
| Funding & liquidity | 40 | 69 (stronger) |
| Problem-loan coverage | 83 | 93 (stronger) |
| Peer percentile | 25th | 92nd |
| Total assets | $16.8B | $361.9M |
| Deposits / shares | $14.4B | $298.1M |
| Capital ratio | 10.35% | 17.08% (stronger) |
| Problem loans | 1.40% | 0.75% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.47% |
| Return on assets | 1.46% | 1.89% (stronger) |
| Loans ÷ deposits | 89.6% (stronger) | 91.5% |
| Uninsured deposits | 42.7% | 6.5% (stronger) |
| Offices | 90 | 6 |
| CFPB complaints (3 yrs) | 45 | — |
| Complaints per $1B deposits | 3.1 | — |
| Mortgage denial rate (HMDA) | 42.8% | — |
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), FirstBank leads on 2 and Heritage South Community Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.