Side-by-side · Q2 2026 data
Nashville Firemen'S Credit Union vs Heritage South Community Credit Union
Credit union
Nashville Firemen'S Credit Union
Nashville, Tennessee · Under $100 million in assets
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Nashville Firemen'S Credit Union | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 72 | 88 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 60 | 75 (stronger) |
| Earnings | 71 | 96 (stronger) |
| Funding & liquidity | 27 | 69 (stronger) |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 44th | 92nd |
| Total assets | $39.2M | $361.9M |
| Deposits / shares | $31.7M | $298.1M |
| Capital ratio | 18.20% (stronger) | 17.08% |
| Problem loans | 1.19% | 0.75% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.47% |
| Return on assets | 1.28% | 1.89% (stronger) |
| Loans ÷ deposits | 83.7% (stronger) | 91.5% |
| Uninsured deposits | 80.5% | 6.5% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Nashville Firemen'S Credit Union leads on 3 and Heritage South Community Credit Union on 4. 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.