B
Heritage South Community Credit Union
Rating Date
September 2025
Net Capital
Ratio
15.92
Leverage
Ratio
16.01
Return On
Assets
1.59%
Total
Assets
351.63M
Capital
55.98M
Total
Deposits
280.77M
Net
Income
2.75M
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Weiss Ratings Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Rating B
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 10.00
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 8.06%
5-Year Asset Growth 7.58%
5-Year Charge-Offs to Average Loans 0.35%
Charge-Offs to Average Loans 0.33%
Non-Performing Assets to Assets 0.34%
Non-Performing Loans to Capital 2.03%
Non-Performing Loans to Loans 0.47%
Balance Sheet Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Total Assets 351.63M
Total Deposits 280.77M
Capital and Reserves Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Capital 55.98M
Leverage Ratio 16.01
Loan Loss Reserves to Loans 1.36%
Liquidity Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Hot Money Ratio 22.51%
Liquidity Ratio 13.25%
Profitability Heritage South Community Credit Union
Shelbyville, TN 		Click to
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5-Year Return on Average Assets 1.20%
Net Income 2.75M
Net Interest Spread 5.19%
Operating Profit to Average Assets 2.04%
Overhead Efficiency Ratio 67.99%
Return on Assets 1.59%
Return on Equity 10.09%