Side-by-side · Q2 2026 data
Southern First Bank vs Greenville Heritage Federal Credit Union
Credit union
Greenville Heritage Federal Credit Union
Greenville, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Southern First Bank | Greenville Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 80 (stronger) |
| Capital cushion | 39 | 75 (stronger) |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 58 (stronger) | 51 |
| Funding & liquidity | 26 | 100 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 19th | 78th |
| Total assets | $4.7B | $181.2M |
| Deposits / shares | $4.0B | $157.1M |
| Capital ratio | 8.89% | 12.53% (stronger) |
| Problem loans | 0.28% (stronger) | 0.34% |
| Net charge-offs | 0.01% (stronger) | 0.31% |
| Return on assets | 0.96% (stronger) | 0.78% |
| Loans ÷ deposits | 99.8% | 58.9% (stronger) |
| Uninsured deposits | 45.9% | 8.9% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.6% | 3.7% |
Greenville Heritage Federal Credit Union has the higher TellerScore (80 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Southern First Bank leads on 3 and Greenville Heritage Federal 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.