Side-by-side · Q2 2026 data
Heritage South Community Credit Union vs Southeast Financial Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Credit union
Southeast Financial Credit Union
Franklin, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Heritage South Community Credit Union | Southeast Financial Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 52 |
| Capital cushion | 100 (stronger) | 30 |
| Loan quality | 75 (stronger) | 72 |
| Earnings | 96 (stronger) | 31 |
| Funding & liquidity | 69 | 74 (stronger) |
| Problem-loan coverage | 93 (stronger) | 81 |
| Peer percentile | 92nd | 8th |
| Total assets | $361.9M | $466.8M |
| Deposits / shares | $298.1M | $429.1M |
| Capital ratio | 17.08% (stronger) | 7.98% |
| Problem loans | 0.75% (stronger) | 0.85% |
| Net charge-offs | 0.47% (stronger) | 0.52% |
| Return on assets | 1.89% (stronger) | 0.29% |
| Loans ÷ deposits | 91.5% | 86.7% (stronger) |
| Uninsured deposits | 6.5% (stronger) | 8.2% |
| Offices | 6 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Heritage South Community Credit Union leads on 6 and Southeast Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.