Side-by-side · Q2 2026 data
North Alabama Educators Credit Union vs Heritage South Credit Union
Credit union
North Alabama Educators Credit Union
Huntsville, Alabama · $100 million – $1 billion
Metric by metric
| Measure | North Alabama Educators Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 62 | 63 (stronger) |
| Capital cushion | 30 | 52 (stronger) |
| Loan quality | 76 (stronger) | 71 |
| Earnings | 47 | 47 |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 93 (stronger) | 82 |
| Peer percentile | 26th | 29th |
| Total assets | $142.9M | $183.7M |
| Deposits / shares | $132.2M | $165.8M |
| Capital ratio | 8.04% | 10.18% (stronger) |
| Problem loans | 0.72% (stronger) | 0.88% |
| Net charge-offs | 0.24% (stronger) | 0.43% |
| Return on assets | 0.66% | 0.68% (stronger) |
| Loans ÷ deposits | 41.9% (stronger) | 79.6% |
| Uninsured deposits | 1.9% (stronger) | 2.8% |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 18.0% |
Heritage South Credit Union has the higher TellerScore (63 vs 62). On the 7 directional measures above (where higher or lower is clearly better), North Alabama Educators Credit Union leads on 4 and Heritage South Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.