Side-by-side · Q2 2026 data
Greenville Heritage Federal Credit Union vs Upstate Federal Credit Union
Credit union
Greenville Heritage Federal Credit Union
Greenville, South Carolina · $100 million – $1 billion
Credit union
Upstate Federal Credit Union
Anderson, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Greenville Heritage Federal Credit Union | Upstate Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 64 |
| Capital cushion | 75 (stronger) | 48 |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 51 (stronger) | 23 |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 78th | 31st |
| Total assets | $181.2M | $148.5M |
| Deposits / shares | $157.1M | $133.8M |
| Capital ratio | 12.53% (stronger) | 9.77% |
| Problem loans | 0.34% | 0.26% (stronger) |
| Net charge-offs | 0.31% | 0.27% (stronger) |
| Return on assets | 0.78% (stronger) | 0.08% |
| Loans ÷ deposits | 58.9% (stronger) | 73.3% |
| Uninsured deposits | 8.9% | 1.9% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Greenville Heritage Federal Credit Union has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Greenville Heritage Federal Credit Union leads on 4 and Upstate Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.