Side-by-side · Q2 2026 data
Jack Daniel Employees Credit Union vs Heritage South Community Credit Union
Credit union
Jack Daniel Employees Credit Union
Lynchburg, Tennessee · Under $100 million in assets
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Jack Daniel Employees Credit Union | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 74 | 88 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 79 (stronger) | 75 |
| Earnings | 67 | 96 (stronger) |
| Funding & liquidity | 83 (stronger) | 69 |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 49th | 92nd |
| Total assets | $56.7M | $361.9M |
| Deposits / shares | $49.8M | $298.1M |
| Capital ratio | 11.32% | 17.08% (stronger) |
| Problem loans | 0.63% (stronger) | 0.75% |
| Net charge-offs | 0.14% (stronger) | 0.47% |
| Return on assets | 1.18% | 1.89% (stronger) |
| Loans ÷ deposits | 77.6% (stronger) | 91.5% |
| Uninsured deposits | 5.1% (stronger) | 6.5% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Jack Daniel Employees Credit Union leads on 4 and Heritage South Community 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.