Heritage South

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$183.9M

84^th percentile

Members

15,490

91^th percentile

Total loans

$131.5M

90^th percentile

Total shares

$161.6M

86^th percentile

Profitability

Return on assets

0.65%

25^th percentile

Net interest margin

4.07%

73^th percentile

Efficiency ratio

72.62%

19^th percentile

Non-interest income ratio

26.03%

86^th percentile

Capital & Risk

Net worth ratio

9.84%

21^th percentile

Delinquency rate

0.62%

56^th percentile

Net charge-off rate

0.47%

37^th percentile

Loan-to-share

81.35%

74^th percentile

Growth

Member growth YoY

-0.88%

46^th percentile

Asset growth YoY

1.39%

29^th percentile

Loan growth YoY

-1.35%

34^th percentile

Share growth YoY

-2.34%

11^th percentile

Operations

Members / branch

2,213

27^th percentile

Assets / member

$11,870

27^th percentile

Field of membership penetration

1.01%

15^th percentile

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