B
Heritage South Community Credit Union
Rating Date
December 2025
Net Capital
Ratio
15.85
Leverage
Ratio
15.91
Return On
Assets
1.53%
Total
Assets
361.70M
Capital
57.33M
Total
Deposits
289.20M
Net
Income
3.99M
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Weiss Ratings Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Rating B
Asset Quality Index 9.70
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 9.30
Stability Index 5.70
Company Info Heritage South Community Credit Union
Shelbyville, TN 		Click to
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NCUA Charter Number 5947
Phone Number (931) 680-1400
Website www.heritagesouth.org
Asset Quality Heritage South Community Credit Union
Shelbyville, TN 		Click to
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1-Year Asset Growth 8.20%
5-Year Asset Growth 7.58%
5-Year Charge-Offs to Average Loans 0.35%
Charge-Offs to Average Loans 0.39%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 1.61%
Non-Performing Loans to Loans 0.36%
Balance Sheet Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Total Assets 361.70M
Total Deposits 289.20M
Capital and Reserves Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Capital 57.33M
Leverage Ratio 15.91
Loan Loss Reserves to Loans 1.38%
Liquidity Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Hot Money Ratio 23.26%
Liquidity Ratio 17.59%
Profitability Heritage South Community Credit Union
Shelbyville, TN 		Click to
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5-Year Return on Average Assets 1.20%
Net Income 3.99M
Net Interest Spread 5.26%
Operating Profit to Average Assets 1.99%
Overhead Efficiency Ratio 68.92%
Return on Assets 1.53%
Return on Equity 9.65%