Side-by-side · Q2 2026 data
Ten Credit Union vs Heritage South Community Credit Union
Credit union
Heritage South Community Credit Union
Shelbyville, Tennessee · $100 million – $1 billion
Metric by metric
| Measure | Ten Credit Union | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 62 | 88 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 93 (stronger) | 75 |
| Earnings | 26 | 96 (stronger) |
| Funding & liquidity | 90 (stronger) | 69 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 26th | 92nd |
| Total assets | $392.0M | $361.9M |
| Deposits / shares | $337.2M | $298.1M |
| Capital ratio | 8.63% | 17.08% (stronger) |
| Problem loans | 0.21% (stronger) | 0.75% |
| Net charge-offs | 0.27% (stronger) | 0.47% |
| Return on assets | 0.15% | 1.89% (stronger) |
| Loans ÷ deposits | 70.2% (stronger) | 91.5% |
| Uninsured deposits | 6.5% | 6.5% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | — |
Heritage South Community Credit Union has the higher TellerScore (88 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Ten Credit Union leads on 3 and Heritage South Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.