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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#40 of 4,374 health · 2025Q4Heritage South Community Cu · health 99/100 · $358.2M · 2025Q4
- MEM 99/100
- RANK 16.8%
- PHOTO 0.40%
- BOOK 1.50%
- CHARTER $358.2M
- NCUSIF 35,653
- CAMELS #40/4,374
- HEALTH AFFIDIAN
- NW 67748
Call Report peers
Heritage South Community Cu in the assets neighbourhood
Heritage South Community Cu's $358.2M assets sit next to AFFIDIAN ($358.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Heritage South Community Cu 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
99 Top 2% higher than 98% 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 Community Cu - Share Insurance Coverage
Charter #67748'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.
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%).
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 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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Heritage South Community Cu's 5300 filing moved
Heritage South Community Cu: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $358.2M (2025Q4) to $359.9M (2026Q1).
- Net-worth ratio shifted +0.34 pp (16.42% → 16.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- 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 |
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).
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
Two NCUA Call Report peer sets for Heritage South Community Cu, both outside Tennessee 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 ($358.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Community Cu financially healthy?
Yes/no aside, the number is 99/100 (Excellent) - Heritage South Community Cu's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #40 of 4,374; by total assets it ranks #932 of 4,374 nationally (same basis as /rankings/largest); and #21 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.76% net worth ratio and 0.40% delinquency rate are the key drivers.
How does Heritage South Community Cu compare to other credit unions?
PlainCU's health composite puts Heritage South Community Cu at 99/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Heritage South Community Cu 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 Community Cu's net worth ratio of 16.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Heritage South Community Cu offer compared to banks?
Credit unions like Heritage South Community Cu 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 Community Cu 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.