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.
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NCUA 5300 Call Report Masthead
#1,637 of 4,374 health · 2025Q4Greenville Heritage · health 87/100 · $169.8M · 2025Q4
Call Report peers
Greenville Heritage in the assets neighbourhood
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
Greenville Heritage sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in South Carolina, REV (#21) ties at 87/100; one place down, Mid Carolina (#23) scores 86/100, 1 point lower.
Greenville Heritage Call Report trajectory
Greenville Heritage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $169.8M (2025Q4) to $177.1M (2026Q1).
- Net-worth ratio shifted -0.37 pp (12.95% → 12.58%).
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
Greenville Heritage gives up 13 points in total. Member Growth costs the most, 10.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Greenville Heritage financially healthy?
On its 2025Q4 NCUA 5300 filing, Greenville Heritage scores 87/100 (Excellent), with a 12.58% net worth ratio and 0.34% of loans delinquent. It ranks #1,637 of 4,374 nationally on health and #22 of 46 in South Carolina.
How does Greenville Heritage compare to other credit unions?
Greenville Heritage scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.34% vs 0.89%). Its widest shortfall is loan-to-share ratio (61.58% vs 72.20%).
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?
Greenville Heritage is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.