Heritage South Community CU

Shelbyville, TN · 2 · Charter #67748 · www.heritagesouth.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$358.2M
31th percentile
Members
35,653
66th percentile
Total loans
$268.9M
43th percentile
Total shares
$296.9M
29th percentile

Profitability

Return on assets
1.76%
90th percentile
Net interest margin
4.45%
94th percentile
Efficiency ratio
58.74%
52th percentile
Non-interest income ratio
25.55%
82th percentile

Capital & Risk

Net worth ratio
16.23%
94th percentile
Delinquency rate
0.40%
79th percentile
Net charge-off rate
0.38%
55th percentile
Loan-to-share
90.55%
75th percentile

Growth

Member growth YoY
4.05%
84th percentile
Asset growth YoY
6.01%
58th percentile
Loan growth YoY
9.53%
79th percentile
Share growth YoY
10.22%
89th percentile

Operations

Members / branch
5,942
72th percentile
Assets / member
$10,048
4th percentile
Field of membership penetration
5.39%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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