Credit Union Safety Analysis
Is Heritage South Community Credit Union Safe? Shelbyville, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Heritage South Community Credit Union has a net worth ratio of 17.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.75%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Heritage South Community Credit Union's net worth ratio is 17.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.08%
- Delinquency ratio (60+ days) (Q2 2026): 0.75%
- Return on assets (Q2 2026): 1.77%
- Loan-to-share ratio (Q2 2026): 91.46%
Heritage South Community Credit Union (NCUA charter 67748, established 1979) reported $361.9M in assets and 36,500 members for Q2 2026 from Shelbyville, Tennessee. It ranks 21 of 123 credit unions in Tennessee by total assets. Total assets grew 2.9% from $351.6M on June 30, 2025. It has 1,772 more members than on June 30, 2025 (+5.1%). Its net worth ratio was up 0.64 percentage points from 16.44% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $127.2M of $272.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.75% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 16.76% for Q1 2026; 16.44% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.43% for Q1 2026; 0.47% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 2.02% for Q1 2026; 1.55% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 89.70% for Q1 2026; 91.60% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $127.2M
- Used vehicle loans: $70.9M
- Commercial loans: $38.8M
- Other secured non-real estate loans and lines of credit: $12.2M
- Other unsecured loans and lines of credit: $12.0M
- New vehicle loans: $7.6M
- Unsecured credit card loans: $4.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $361.9M | 17.08% | 0.75% | 1.77% | 91.46% |
| March 31, 2026 | $359.9M | 16.76% | 0.43% | 2.02% | 89.70% |
| December 31, 2025 | $358.2M | 16.42% | 0.40% | 0.69% | 90.55% |
| September 30, 2025 | $361.7M | 16.48% | 0.36% | 1.38% | 90.28% |
| June 30, 2025 | $351.6M | 16.44% | 0.47% | 1.55% | 91.60% |
| March 31, 2025 | $345.6M | 16.36% | 0.38% | 1.60% | 88.29% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Heritage South Community Credit Union profile
Regulator records: NCUA credit union profile (charter 67748) · FFIEC NIC profile (RSSD 539498)
Frequently asked questions
Is Heritage South Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Heritage South Community Credit Union's net worth ratio is 17.08%, above the 7% NCUA threshold for well capitalized.
Is Heritage South Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Heritage South Community Credit Union is a federally insured credit union (NCUA charter 67748): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Heritage South Community Credit Union's key safety ratios?
For Q2 2026, Heritage South Community Credit Union reports net worth 17.08%, delinquency 0.75%, ROA 1.77%, loan-to-share 91.46%.
What happens to my money if Heritage South Community Credit Union fails?
For Q2 2026, Heritage South Community Credit Union held $298.1M in shares and deposits for 36,500 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.