Side-by-side · Q2 2026 data
Southern Credit Union vs Healthcare Services Credit Union
Credit union
Healthcare Services Credit Union
Chattanooga, Tennessee · Under $100 million in assets
Metric by metric
| Measure | Southern Credit Union | Healthcare Services Credit Union |
|---|---|---|
| TellerScore | 43 | 87 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 0 | 99 (stronger) |
| Earnings | 0 | 39 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 76 | 99 (stronger) |
| Peer percentile | 4th | 83rd |
| Total assets | $18.1M | $26.1M |
| Deposits / shares | $15.9M | $22.0M |
| Capital ratio | 11.81% | 15.01% (stronger) |
| Problem loans | 3.48% | 0.03% (stronger) |
| Net charge-offs | 0.39% | 0.15% (stronger) |
| Return on assets | -0.69% | 0.47% (stronger) |
| Loans ÷ deposits | 46.0% (stronger) | 64.9% |
| Uninsured deposits | 6.6% | 3.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Healthcare Services Credit Union has the higher TellerScore (87 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Southern Credit Union leads on 1 and Healthcare Services Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.