Federal credit union · Greenville, South Carolina · NCUA charter #4400
Greenville Heritage
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $169.8M
- Total assets
- 11,473
- Members
- 12.6%
- Net-worth ratio
Greenville Heritage scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $169.8M; members 11,473; net-worth ratio 12.58%; health rank #1,637 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,637 of 4,374 health · 2025Q4Greenville Heritage · health 87/100 · $169.8M · 2025Q4
- ASSETS 87/100
- MEM 12.6%
- RANK 0.34%
- PHOTO 0.44%
- BOOK $169.8M
- CHARTER 11,473
- NCUSIF #1,637/4,374
- CAMELS Genesee Valley
- HEALTH 4400
Call Report peers
Greenville Heritage in the assets neighbourhood
Greenville Heritage's $169.8M assets sit next to Genesee Valley ($169.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Greenville Heritage vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Greenville Heritage - Share Insurance Coverage
Charter #4400's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Greenville Heritage diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.56 pp (0.34% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.62 pp (61.58% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Greenville Heritage: in-state Call Report ranks
- Health composite ranks #22 of 46 among scored South Carolina credit unions.
- Assets rank #20 of 46 inside South Carolina ($169.8M reported).
- Membership ranks #21 of 46 among South Carolina CUs with a reported count (11,473 members).
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Greenville Heritage Call Report trajectory
Greenville Heritage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $169.8M (2025Q4) to $177.1M (2026Q1).
- Net-worth ratio shifted -0.37 pp (12.95% → 12.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.58% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.1 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 13.1 pts
Call Report ratios for Greenville Heritage
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.58% | +0.47 pp |
| Delinquency Rate | 0.34% | -0.56 pp |
| Return on Assets | 0.44% | -0.18 pp |
| Member Growth | -2.35% | - |
| Loan-to-Share Ratio | 61.58% | -10.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Greenville Heritage
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $177.1M | - |
| 2025Q4 | $169.8M | 11,473 |
| 2024Q4 | $168.9M | 11,749 |
| 2023Q4 | $157.8M | 11,999 |
Credit Union Details
- Charter Number
- 4400
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Carolina
- City
- Greenville
- Data Quarter
- 2025Q4
Branch Locations (3)
Greenville Heritage operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Greenville, SC |
| County Square | Greenville, SC |
| Simpsonville Office | Simpsonville, SC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
Other federally-insured credit unions in South Carolina, closest first by peer group and asset size.
Cross-state Call Report peers for Greenville Heritage
Two NCUA Call Report peer sets for Greenville Heritage, both outside South Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($169.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Greenville Heritage ranks #1,637 of 4,374 nationally on financial health and #22 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mid Carolina is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mid Carolina
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Greenville Heritage financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Greenville Heritage carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,637 of 4,374; by total assets it ranks #1,404 of 4,374 nationally (same basis as /rankings/largest); and #20 of 46 within South Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.58% net worth ratio and a 0.34% delinquency rate.
How does Greenville Heritage compare to other credit unions?
Five weighted metrics from NCUA filings produce Greenville Heritage's 87/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Greenville Heritage?
Greenville Heritage operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Greenville Heritage directly for the exact boundaries and application steps.
Is my money safe at Greenville Heritage?
Federal credit unions like Greenville Heritage are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Greenville Heritage's net worth ratio of 12.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greenville Heritage offer compared to banks?
Credit unions like Greenville Heritage are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Greenville Heritage directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.