Side-by-side · Q2 2026 data
Heritage South Community Credit Union vs Koin Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Heritage South Community Credit Union | Koin Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 75 | 78 (stronger) |
| Earnings | 96 (stronger) | 44 |
| Funding & liquidity | 69 | 95 (stronger) |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 92nd | 28th |
| Total assets | $361.9M | $34.9M |
| Deposits / shares | $298.1M | $31.6M |
| Capital ratio | 17.08% (stronger) | 9.17% |
| Problem loans | 0.75% | 0.66% (stronger) |
| Net charge-offs | 0.47% | 0.35% (stronger) |
| Return on assets | 1.89% (stronger) | 0.59% |
| Loans ÷ deposits | 91.5% | 65.1% (stronger) |
| Uninsured deposits | 6.5% (stronger) | 9.3% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Heritage South Community Credit Union leads on 4 and Koin Credit Union on 3. 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.