Credit Union Safety Analysis
Is Heritage South Credit Union Safe? Sylacauga, Alabama
Based on its Q2 2026 NCUA 5300 call report, Heritage South Credit Union has a net worth ratio of 10.18%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.88%, 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 Credit Union's net worth ratio is 10.18%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.18%
- Delinquency ratio (60+ days) (Q2 2026): 0.88%
- Return on assets (Q2 2026): 0.94%
- Loan-to-share ratio (Q2 2026): 79.57%
Heritage South Credit Union (NCUA charter 68586, established 1937) reported $183.7M in assets and 15,474 members for Q2 2026 from Sylacauga, Alabama. It ranks 31 of 87 credit unions in Alabama by total assets. Total assets grew 4.2% from $176.3M on June 30, 2025. It has 57 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.21 percentage points from 9.97% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $59.0M of $132.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.88% 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: 9.64% for Q1 2026; 9.97% 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: 0.67% for Q1 2026; 0.52% 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: 0.40% for Q1 2026; -0.20% 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: 76.68% for Q1 2026; 86.06% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $59.0M
- Used vehicle loans: $37.7M
- New vehicle loans: $11.7M
- Other secured non-real estate loans and lines of credit: $8.9M
- Other unsecured loans and lines of credit: $8.0M
- Commercial loans: $3.5M
- Unsecured credit card loans: $3.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $183.7M | 10.18% | 0.88% | 0.94% | 79.57% |
| March 31, 2026 | $189.5M | 9.64% | 0.67% | 0.40% | 76.68% |
| December 31, 2025 | $183.9M | 9.84% | 0.62% | 0.41% | 78.84% |
| September 30, 2025 | $180.2M | 9.93% | 0.67% | 0.71% | 80.03% |
| June 30, 2025 | $176.3M | 9.97% | 0.52% | -0.20% | 86.06% |
| March 31, 2025 | $176.6M | 10.00% | 0.37% | 0.47% | 81.36% |
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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 Credit Union profile
Regulator records: NCUA credit union profile (charter 68586) · FFIEC NIC profile (RSSD 56276)
Frequently asked questions
Is Heritage South Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Heritage South Credit Union's net worth ratio is 10.18%, above the 7% NCUA threshold for well capitalized.
Is Heritage South Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Heritage South Credit Union is a federally insured credit union (NCUA charter 68586): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Heritage South Credit Union's key safety ratios?
For Q2 2026, Heritage South Credit Union reports net worth 10.18%, delinquency 0.88%, ROA 0.94%, loan-to-share 79.57%.
What happens to my money if Heritage South Credit Union fails?
For Q2 2026, Heritage South Credit Union held $165.8M in shares and deposits for 15,474 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.