Side-by-side · Q2 2026 data
Sonata Bank vs Heritage South Community Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Sonata Bank | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 57 | 88 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 83 (stronger) | 75 |
| Earnings | 28 | 96 (stronger) |
| Funding & liquidity | 44 | 69 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 14th | 92nd |
| Total assets | $281.5M | $361.9M |
| Deposits / shares | $247.6M | $298.1M |
| Capital ratio | 10.12% | 17.08% (stronger) |
| Problem loans | 0.52% (stronger) | 0.75% |
| Net charge-offs | 0.00% (stronger) | 0.47% |
| Return on assets | 0.20% | 1.89% (stronger) |
| Loans ÷ deposits | 98.6% | 91.5% (stronger) |
| Uninsured deposits | 31.4% | 6.5% (stronger) |
| 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 57). On the 7 directional measures above (where higher or lower is clearly better), Sonata Bank leads on 2 and Heritage South Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.