Side-by-side · Q2 2026 data
Heritage Bank & Trust vs Tennessee Department of Safety Credit Union
Credit union
Tennessee Department of Safety Credit Union
Nashville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Heritage Bank & Trust | Tennessee Department of Safety Credit Union |
|---|---|---|
| TellerScore | 65 | 93 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 64 (stronger) | 50 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 29th | 94th |
| Total assets | $417.8M | $12.0M |
| Deposits / shares | $377.3M | $8.7M |
| Capital ratio | 8.48% | 26.57% (stronger) |
| Problem loans | 0.36% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.28% | 4.43% (stronger) |
| Loans ÷ deposits | 93.7% (stronger) | 122.1% |
| Uninsured deposits | 17.5% | 4.2% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tennessee Department of Safety Credit Union has the higher TellerScore (93 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank & Trust leads on 1 and Tennessee Department of Safety Credit Union on 6. 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.