Side-by-side · Q2 2026 data
Veritas Federal 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 | Veritas Federal Credit Union | Heritage South Community Credit Union |
|---|---|---|
| TellerScore | 57 | 88 (stronger) |
| Capital cushion | 30 | 100 (stronger) |
| Loan quality | 80 (stronger) | 75 |
| Earnings | 39 | 96 (stronger) |
| Funding & liquidity | 76 (stronger) | 69 |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 17th | 92nd |
| Total assets | $57.1M | $361.9M |
| Deposits / shares | $52.2M | $298.1M |
| Capital ratio | 7.99% | 17.08% (stronger) |
| Problem loans | 0.60% (stronger) | 0.75% |
| Net charge-offs | 1.12% | 0.47% (stronger) |
| Return on assets | 0.48% | 1.89% (stronger) |
| Loans ÷ deposits | 84.0% (stronger) | 91.5% |
| Uninsured deposits | 3.8% (stronger) | 6.5% |
| Offices | 2 | 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), Veritas Federal Credit Union leads on 3 and Heritage South Community 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.