Side-by-side · Q2 2026 data
Heritage Community Bank vs Greeneville City Employees' Credit Union
Credit union
Greeneville City Employees' Credit Union
Greeneville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Heritage Community Bank | Greeneville City Employees' Credit Union |
|---|---|---|
| TellerScore | 71 | 90 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 99 (stronger) | 89 |
| Earnings | 55 | 100 (stronger) |
| Funding & liquidity | 65 (stronger) | 56 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 47th | 89th |
| Total assets | $184.4M | $13.9M |
| Deposits / shares | $152.1M | $9.7M |
| Capital ratio | 10.31% | 29.53% (stronger) |
| Problem loans | 0.03% (stronger) | 0.32% |
| Net charge-offs | 0.02% | -0.03% (stronger) |
| Return on assets | 0.87% | 2.64% (stronger) |
| Loans ÷ deposits | 94.3% (stronger) | 104.4% |
| Uninsured deposits | 15.4% | 1.7% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Greeneville City Employees' Credit Union has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Heritage Community Bank leads on 2 and Greeneville City Employees' 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.