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
Call Report peers
Heritage South in the assets neighbourhood
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
Heritage South sits in the busiest band, 85-89, alongside 857 other credit unions.
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: 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).
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).
- One place up in Alabama, ALATRUST (#38) ties at 85/100; one place down, Birmingham City (#40) scores 84/100, 1 point lower.
Quarter path for Heritage South
Heritage South: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $183.9M (2025Q4) to $189.5M (2026Q1).
- Net-worth ratio shifted -0.20 pp (9.84% → 9.64%).
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
Heritage South gives up 15 points in total. Member Growth costs the most, 7.6 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Heritage South financially healthy?
On its 2025Q4 NCUA 5300 filing, Heritage South scores 85/100 (Excellent), with a 9.64% net worth ratio and 0.62% of loans delinquent. It ranks #2,011 of 4,374 nationally on health and #39 of 89 in Alabama.
How does Heritage South compare to other credit unions?
Heritage South scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.84% vs 72.20%). Its widest shortfall is net worth ratio (9.64% vs 12.11%).
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?
Heritage South is a state-chartered 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. Heritage South's net worth ratio of 9.64% 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.