Side-by-side · Q2 2026 data
Heritage South Community Credit Union vs Bowater Employees Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Heritage South Community Credit Union | Bowater Employees Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 75 | 75 |
| Earnings | 96 (stronger) | 90 |
| Funding & liquidity | 69 | 79 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 92nd | 66th |
| Total assets | $361.9M | $302.6M |
| Deposits / shares | $298.1M | $267.9M |
| Capital ratio | 17.08% (stronger) | 10.77% |
| Problem loans | 0.75% | 0.74% (stronger) |
| Net charge-offs | 0.47% (stronger) | 0.49% |
| Return on assets | 1.89% (stronger) | 1.74% |
| Loans ÷ deposits | 91.5% | 81.2% (stronger) |
| Uninsured deposits | 6.5% (stronger) | 6.9% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.3% |
Heritage South Community Credit Union has the higher TellerScore (88 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Heritage South Community Credit Union leads on 5 and Bowater Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.