TellerScore

Headquartered in Shelbyville, Tennessee, Heritage South Community Credit Union is a federally insured state-chartered credit union with $361.9M in total assets and $298.1M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1957.

Based on its Q2 2026 filing, Heritage South Community Credit Union scores 88/100, which we describe as very strong. That is higher than 92% of 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 23rd. Its strongest component is capital cushion (100/100; 17.08%), and its lowest is funding & liquidity (69/100; 91% loans-to-deposits, 6% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.08%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings96/100
Return on assets (annualized): 1.89%
Funding & liquidity69/100
Loans ÷ shares: 91.5% · 6.5% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.33%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 88).

TellerScore
868992Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202492
Q4 202489
Q1 202589
Q2 202587
Q3 202588
Q4 202586
Q1 202692
Q2 202688
Net worth ratio
7.00%12.04%17.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.07%
Q3 202416.53%
Q4 202416.35%
Q1 202516.36%
Q2 202516.44%
Q3 202516.48%
Q4 202516.42%
Q1 202616.76%
Q2 202617.08%
Delinquent loans (60+ days)
0.31%0.53%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.33%
Q4 20240.31%
Q1 20250.38%
Q2 20250.47%
Q3 20250.36%
Q4 20250.40%
Q1 20260.43%
Q2 20260.75%
Return on assets
1.29%1.65%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.77%
Q3 20241.90%
Q4 20241.59%
Q1 20251.60%
Q2 20251.56%
Q3 20251.47%
Q4 20251.29%
Q1 20262.02%
Q2 20261.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$361.9M17.08%0.75%1.89%91.5%
Q1 202692$359.9M16.76%0.43%2.02%89.7%
Q4 202586$358.2M16.42%0.40%1.29%90.6%
Q3 202588$361.7M16.48%0.36%1.47%90.3%
Q2 202587$351.6M16.44%0.47%1.56%91.6%
Q1 202589$345.6M16.36%0.38%1.60%88.3%
Q4 202489$337.9M16.35%0.31%1.59%91.1%
Q3 202492$334.3M16.53%0.33%1.90%91.3%
Q2 202490$325.4M16.07%0.34%1.77%92.2%

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 ratio17.08%
93rd
Problem loans0.75%
46th
Net charge-offs0.47%
38th
Return on assets1.89%
96th
Loans to deposits91.5%
14th
Uninsured deposits6.5%
44th
Loan-loss reserves0.00%
50th
Texas ratio3.3%
57th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Old Hickory Credit UnionCredit union Nashville, TN65 out of 100, Moderate$347.3M10.5%1.17%vs
US Community Credit UnionCredit union Nashville, TN71 out of 100, Strong$345.7M11.5%0.70%vs
Ten Credit UnionCredit union Nashville, TN62 out of 100, Moderate$392.0M8.6%0.21%vs
Bowater Employees Credit UnionCredit union Calhoun, TN75 out of 100, Strong$302.6M10.8%0.74%vs
Alcoa Tenn Federal Credit UnionCredit union Alcoa, TN84 out of 100, Strong$426.9M13.9%1.05%vs
Comtrust Federal Credit UnionCredit union Chattanooga, TN74 out of 100, Strong$429.7M11.4%0.41%vs

Deposit insurance

Is my money safe at Heritage South Community Credit Union?

Yes. Heritage South Community Credit Union is a federally insured credit union (NCUA charter #67748). 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 6.5% of shares and deposits ($19.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Heritage South Community Credit Union lists 6 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Heritage South Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67748
RSSD ID
539498
Primary regulator
State + NCUA
Established
1957
Headquarters
P. O. Box 1219, Shelbyville, TN 37162
Employees
88

Quick answers

Heritage South Community Credit Union: common questions

Is Heritage South Community Credit Union NCUA insured?

Yes. Heritage South Community Credit Union is a federally insured credit union (NCUA charter #67748). 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 Heritage South Community Credit Union's TellerScore?

88 out of 100 (Very 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 Heritage South Community Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Shelbyville

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee Department of Safety Credit UnionCredit union Nashville, TN93 out of 100, Very strong$12.0M26.6%0.00%vs
Citizens Community BankBank Winchester, TN90 out of 100, Very strong$352.6M14.6%0.38%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
First Farmers and Merchants BankBank Columbia, TN79 out of 100, Strong$1.8B11.2%0.12%vs
First Commerce BankBank Lewisburg, TN77 out of 100, Strong$935.1M10.2%0.08%vs