Side-by-side · Q2 2026 data
Heritage South Community Credit Union vs St. Thomas Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Heritage South Community Credit Union | St. Thomas Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 75 (stronger) | 38 |
| Earnings | 96 (stronger) | 43 |
| Funding & liquidity | 69 | 72 (stronger) |
| Problem-loan coverage | 93 (stronger) | 77 |
| Peer percentile | 92nd | 20th |
| Total assets | $361.9M | $38.3M |
| Deposits / shares | $298.1M | $33.4M |
| Capital ratio | 17.08% (stronger) | 12.26% |
| Problem loans | 0.75% (stronger) | 1.86% |
| Net charge-offs | 0.47% | 0.04% (stronger) |
| Return on assets | 1.89% (stronger) | 0.58% |
| Loans ÷ deposits | 91.5% | 88.0% (stronger) |
| Uninsured deposits | 6.5% (stronger) | 8.0% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Heritage South Community Credit Union leads on 5 and St. Thomas Credit Union on 2. 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.