B
Heritage South Community Credit Union
Rating Date
July 2025
Net Capital
Ratio
15.77
Leverage
Ratio
15.89
Return On
Assets
1.62%
Total
Assets
345.61M
Capital
54.52M
Total
Deposits
281.30M
Net
Income
1.38M
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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 2.60
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 10.55%
5-Year Asset Growth 7.58%
5-Year Charge-Offs to Average Loans 0.35%
Charge-Offs to Average Loans 0.29%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 1.66%
Non-Performing Loans to Loans 0.38%
Balance Sheet Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Total Assets 345.61M
Total Deposits 281.30M
Capital and Reserves Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Capital 54.52M
Leverage Ratio 15.89
Loan Loss Reserves to Loans 1.32%
Liquidity Heritage South Community Credit Union
Shelbyville, TN 		Click to
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Hot Money Ratio 21.27%
Liquidity Ratio 12.28%
Profitability Heritage South Community Credit Union
Shelbyville, TN 		Click to
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5-Year Return on Average Assets 1.20%
Net Income 1.38M
Net Interest Spread 5.15%
Operating Profit to Average Assets 2.00%
Overhead Efficiency Ratio 68.93%
Return on Assets 1.62%
Return on Equity 10.29%