State credit union · Sylacauga, Alabama · NCUA charter #68586
Heritage South
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $183.9M
- Total assets
- 15,490
- Members
- 9.6%
- Net-worth ratio
Heritage South scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $183.9M; members 15,490; net-worth ratio 9.64%; health rank #2,011 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,011 of 4,374 health · 2025Q4Heritage South · health 85/100 · $183.9M · 2025Q4
- MEM 85/100
- RANK 9.6%
- PHOTO 0.62%
- BOOK 0.14%
- CHARTER $183.9M
- NCUSIF 15,490
- CAMELS #2,011/4,374
- HEALTH SJP
- NW 68586
Call Report peers
Heritage South in the assets neighbourhood
Heritage South's $183.9M assets sit next to SJP ($184.0M) 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.
Heritage South 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
85 Top 46% higher than 54% 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
Heritage South - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68586, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Heritage South: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +6.64 pp (78.84% vs 72.20%).
- Largest lag: Net Worth Ratio at 9.64% vs peer 12.11% (-2.47 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Heritage South sits in Alabama
- Health composite ranks #39 of 89 among scored Alabama credit unions.
- Assets rank #31 of 89 inside Alabama ($183.9M reported).
- Membership ranks #25 of 89 among Alabama CUs with a reported count (15,490 members).
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Heritage South
Heritage South: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $183.9M (2025Q4) to $189.5M (2026Q1).
- Net-worth ratio shifted -0.20 pp (9.84% → 9.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 23.8 pts
- Return on Assets 9.6 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 15.1 pts
Heritage South health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.64% | -2.47 pp |
| Delinquency Rate | 0.62% | -0.28 pp |
| Return on Assets | 0.14% | -0.48 pp |
| Member Growth | -0.88% | - |
| Loan-to-Share Ratio | 78.84% | +6.64 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).
Heritage South quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $189.5M | - |
| 2025Q4 | $183.9M | 15,490 |
| 2024Q4 | $181.3M | 15,627 |
| 2023Q4 | $174.8M | 15,488 |
Credit Union Details
- Charter Number
- 68586
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- Sylacauga
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, Heritage South runs 7 offices in 6 different cities.
| Office | City |
|---|---|
| 280 Office (Main Office) | Sylacauga, AL |
| Alex City Branch | Alexander City, AL |
| Childersburg | Childersburg, AL |
| Eclectic | Eclectic, AL |
| Goodwater | Goodwater, AL |
| Moody Branch | Moody, AL |
| Broadway Branch | Sylacauga, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Heritage South nationwide neighbourhoods
Cross-state asset and health neighbours for Heritage South - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($183.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Heritage South ranks #2,011 of 4,374 nationally on financial health and #39 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ECO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ECO
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama 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 Heritage South financially healthy?
Heritage South scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,011 of 4,374; by total assets it ranks #1,338 of 4,374 nationally (same basis as /rankings/largest); and #31 of 89 within Alabama. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.64% net worth ratio and a 0.62% delinquency rate.
How does Heritage South compare to other credit unions?
On PlainCU's health composite, Heritage South lands at 85/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Heritage South?
Membership eligibility for Heritage South depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Heritage South directly for current membership requirements and application steps.
Is my money safe at Heritage South?
Federal credit unions like Heritage South 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. Heritage South's net worth ratio of 9.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Heritage South offer compared to banks?
Credit unions like Heritage South 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 Heritage South 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.