Side-by-side · Q2 2026 data
Sycamore Federal Credit Union vs Heritage South Credit Union
Credit union
Sycamore Federal Credit Union
Sycamore, Alabama · Under $100 million in assets
Metric by metric
| Measure | Sycamore Federal Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 70 | 71 (stronger) |
| Earnings | 96 (stronger) | 47 |
| Funding & liquidity | 75 | 81 (stronger) |
| Problem-loan coverage | 92 (stronger) | 82 |
| Peer percentile | 83rd | 29th |
| Total assets | $77.1M | $183.7M |
| Deposits / shares | $64.3M | $165.8M |
| Capital ratio | 16.37% (stronger) | 10.18% |
| Problem loans | 0.89% | 0.88% (stronger) |
| Net charge-offs | 0.39% (stronger) | 0.43% |
| Return on assets | 1.89% (stronger) | 0.68% |
| Loans ÷ deposits | 84.8% | 79.6% (stronger) |
| Uninsured deposits | 12.8% | 2.8% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.0% |
Sycamore Federal Credit Union has the higher TellerScore (87 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Sycamore Federal 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.