TellerScore

Headquartered in Greenville, South Carolina, Greenville Heritage Federal Credit Union is a federal credit union with $181.2M in total assets and $157.1M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1941.

Based on its Q2 2026 filing, Greenville Heritage Federal Credit Union scores 80/100, which we describe as strong. That is higher than 78% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 15th. Its strongest component is funding & liquidity (100/100; 59% loans-to-deposits, 9% uninsured), and its lowest is earnings (51/100; 0.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.53%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity100/100
Loans ÷ shares: 58.9% · 8.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.44%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (78 → 80), mostly because the earnings component improved by 5 points.

TellerScore
757983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202477
Q1 202575
Q2 202578
Q3 202583
Q4 202581
Q1 202679
Q2 202680
Net worth ratio
7.00%9.97%12.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.22%
Q3 202412.40%
Q4 202412.25%
Q1 202512.36%
Q2 202512.64%
Q3 202512.91%
Q4 202512.95%
Q1 202612.58%
Q2 202612.53%
Delinquent loans (60+ days)
0.22%0.32%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.29%
Q4 20240.31%
Q1 20250.42%
Q2 20250.40%
Q3 20250.22%
Q4 20250.34%
Q1 20260.31%
Q2 20260.34%
Return on assets
0.24%0.55%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.43%
Q4 20240.44%
Q1 20250.37%
Q2 20250.65%
Q3 20250.85%
Q4 20250.84%
Q1 20260.65%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$181.2M12.53%0.34%0.78%58.9%
Q1 202679$177.1M12.58%0.31%0.65%58.5%
Q4 202581$169.8M12.95%0.34%0.84%61.6%
Q3 202583$168.7M12.91%0.22%0.85%60.7%
Q2 202578$168.2M12.64%0.40%0.65%61.0%
Q1 202575$168.8M12.36%0.42%0.37%59.7%
Q4 202477$168.9M12.25%0.31%0.44%59.9%
Q3 202477$166.4M12.40%0.29%0.43%61.4%
Q2 202475$166.1M12.22%0.23%0.24%62.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.53%
64th
Problem loans0.34%
79th
Net charge-offs0.31%
55th
Return on assets0.78%
53rd
Loans to deposits58.9%
79th
Uninsured deposits8.9%
23rd
Loan-loss reserves0.00%
50th
Texas ratio1.4%
83rd

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Mid Carolina Credit UnionCredit union Lugoff, SC77 out of 100, Strong$181.8M12.7%0.66%vs
Caro Federal Credit UnionCredit union Columbia, SC77 out of 100, Strong$174.9M15.4%0.88%vs
Georgetown Kraft Credit UnionCredit union Georgetown, SC87 out of 100, Very strong$191.9M18.7%0.95%vs
Upstate Federal Credit UnionCredit union Anderson, SC64 out of 100, Moderate$148.5M9.8%0.26%vs
Carolina Foothills Federal Credit UnionCredit union Spartanburg, SC70 out of 100, Strong$224.3M12.0%1.30%vs
Spc Credit UnionCredit union Hartsville, SC66 out of 100, Moderate$265.8M11.4%1.13%vs

Deposit insurance

Is my money safe at Greenville Heritage Federal Credit Union?

Yes. Greenville Heritage Federal Credit Union is a federally insured credit union (NCUA charter #4400). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.9% of shares and deposits ($14.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.53%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Greenville Heritage Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Greenville Heritage Federal Credit Union reported 38 home-loan applications under HMDA (LEI 254900SYM73UN2V4KP10): 26 originated ($3,600,000 total), 1 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Greenville Heritage Federal Credit Union
Type
Federal credit union
NCUA charter #
4400
RSSD ID
193872
Primary regulator
NCUA
Established
1941
Headquarters
PO Box 2564, Greenville, SC 29602
Employees
36

Quick answers

Greenville Heritage Federal Credit Union: common questions

Is Greenville Heritage Federal Credit Union NCUA insured?

Yes. Greenville Heritage Federal Credit Union is a federally insured credit union (NCUA charter #4400). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Greenville Heritage Federal Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Greenville Heritage Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Greenville

InstitutionScoreAssetsCapitalProblem loansCompare
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
The Peoples BankBank Iva, SC89 out of 100, Very strong$446.7M12.9%0.00%vs
First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC84 out of 100, Strong$597.1M29.1%0.73%vs
Curis Financial Credit UnionCredit union Columbia, SC82 out of 100, Strong$84.3M23.5%0.59%vs
CBL State Savings BankBank Greer, SC80 out of 100, Strong$191.3M15.9%0.01%vs
Bank of Travelers RestBank Travelers Rest, SC79 out of 100, Strong$1.6B10.3%0.12%vs