State credit union · Shelbyville, Tennessee · NCUA charter #67748
Heritage South Community Cu
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $358.2M
- Total assets
- 35,653
- Members
- 16.8%
- Net-worth ratio
Heritage South Community Cu scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $358.2M; members 35,653; net-worth ratio 16.76%; health rank #40 of 4,374; healthier than 98th of scored peers.
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NCUA 5300 Call Report Masthead
#40 of 4,374 health · 2025Q4Heritage South Community Cu · health 99/100 · $358.2M · 2025Q4
Call Report peers
Heritage South Community Cu 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 Community Cu vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Heritage South Community Cu sits in 95-99 with 391 others.
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Heritage South Community Cu
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +18.35 pp (90.55% vs 72.20%).
Where Heritage South Community Cu sits in Tennessee
- In Tennessee, health place is #2 of 127 on the same NCUA-ratio sort used nationally.
- Tennessee assets place: #21 of 127.
- Member book place in Tennessee: #16 of 127.
- One place up in Tennessee, United Southeast (#1) scores 100/100, 1 point higher; one place down, ASCEND (#3) ties at 99/100.
How Heritage South Community Cu's 5300 filing moved
Heritage South Community Cu: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $358.2M (2025Q4) to $359.9M (2026Q1).
- Net-worth ratio shifted +0.34 pp (16.42% → 16.76%).
At 16.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
Heritage South Community Cu gives up 1 points in total. Member Growth costs the most, 1.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 15.1 pts
Heritage South Community Cu vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.76% | +4.65 pp |
| Delinquency Rate | 0.40% | -0.49 pp |
| Return on Assets | 1.50% | +0.88 pp |
| Member Growth | 4.05% | - |
| Loan-to-Share Ratio | 90.55% | +18.35 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $359.9M | - |
| 2025Q4 | $358.2M | 35,653 |
| 2024Q4 | $337.9M | 34,264 |
| 2023Q4 | $307.9M | 33,519 |
Credit Union Details
- Charter Number
- 67748
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Shelbyville
- Data Quarter
- 2025Q4
Branch Locations (6)
Heritage South Community Cu operates 6 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Shelbyville (Main Office) | Shelbyville, TN |
| Fayetteville Branch | Fayetteville, TN |
| Lewisburg | Lewisburg, TN |
| Manchester Branch | Manchester, TN |
| MLK Jr Blvd Branch | Murfreesboro, TN |
| Smyrna | Smyrna, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Other-state peers near Heritage South Community Cu
Using this data
- Heritage South Community Cu ranks #40 of 4,374 nationally on financial health and #2 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Old Hickory is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Old Hickory
Frequently Asked Questions
Is Heritage South Community Cu financially healthy?
Heritage South Community Cu has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #40 of 4,374 nationally on health and #2 of 127 in Tennessee. Its net worth ratio is 16.76% and its delinquency rate 0.40%.
How does Heritage South Community Cu compare to other credit unions?
Heritage South Community Cu scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.55% vs 72.20%).
How can I join Heritage South Community Cu?
Membership eligibility for Heritage South Community Cu 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 Community Cu directly for current membership requirements and application steps.
Is my money safe at Heritage South Community Cu?
Heritage South Community Cu 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 Community Cu's net worth ratio of 16.76% 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.