Side-by-side · Q2 2026 data
Peoples Bank & Trust Company vs Heritage South Community Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Peoples Bank & Trust Company | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 88 |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 99 (stronger) | 75 |
| Earnings | 90 | 96 (stronger) |
| Funding & liquidity | 75 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 98th | 92nd |
| Total assets | $168.6M | $361.9M |
| Deposits / shares | $142.6M | $298.1M |
| Capital ratio | 14.70% | 17.08% (stronger) |
| Problem loans | 0.02% (stronger) | 0.75% |
| Net charge-offs | 0.02% (stronger) | 0.47% |
| Return on assets | 1.76% | 1.89% (stronger) |
| Loans ÷ deposits | 79.6% (stronger) | 91.5% |
| Uninsured deposits | 20.3% | 6.5% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples Bank & Trust Company has the higher TellerScore (93 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank & Trust Company leads on 4 and Heritage South Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.