Side-by-side · Q2 2026 data
Heritage Community Bank vs Kingsport Press Credit Union
Credit union
Kingsport Press Credit Union
Kingsport, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Heritage Community Bank | Kingsport Press Credit Union |
|---|---|---|
| TellerScore | 71 | 92 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 99 (stronger) | 87 |
| Earnings | 55 | 85 (stronger) |
| Funding & liquidity | 65 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 47th | 92nd |
| Total assets | $184.4M | $95.6M |
| Deposits / shares | $152.1M | $79.5M |
| Capital ratio | 10.31% | 16.38% (stronger) |
| Problem loans | 0.03% (stronger) | 0.40% |
| Net charge-offs | 0.02% (stronger) | 0.18% |
| Return on assets | 0.87% | 1.63% (stronger) |
| Loans ÷ deposits | 94.3% | 73.7% (stronger) |
| Uninsured deposits | 15.4% | 1.1% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Kingsport Press Credit Union has the higher TellerScore (92 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Heritage Community Bank leads on 2 and Kingsport Press Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.