HERITAGE SOUTH COMMUNITY CU Credit Union Profile

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HERITAGE SOUTH COMMUNITY CU

Charter #67748 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (931) 680-1400

Fax: (931) 685-4233

Founding Date: N/A

Website: http://www.heritagesouth.org

Personnel & Operations

President: Malone, Ken

Manager: Parham, Laura

FT Employees: 85

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 6

Hours: Lobby Monday - Friday 9 a.m. to 4:45 p.m.

Credit Union Profile Summary

HERITAGE SOUTH COMMUNITY CU is a FISCU Credit Union. With a total of 34,728 members [1], this institution manages approximately $351,632,388 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 16.44% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 6.54% [1].

Financial Snapshot

Total Assets [1]
$351,632,388

Total economic resources.

Total Loans [1]
$257,191,766

Total value of outstanding loans.

Total Deposits [1]
$280,764,554

Total funds deposited by members.

Members [1]
34,728

Number of active members.

Performance Ratios

Net Worth Ratio [1]
16.44%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.59%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
91.60%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 8.06%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 6.54%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 3.35%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

763 N Main St

Shelbyville, TN, 37160-2846
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 5 branches reported by HERITAGE SOUTH COMMUNITY CU (Charter #67748).

Main Office

Shelbyville Main Office

Type: Corporate Office

763 N Main St

Shelbyville, TN 37160-2846

Phone: (931) 684-3596

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Lewisburg

Lewisburg

Type: Branch Office

600 E Church St

Lewisburg, TN 37091-2852

Phone: (931) 359-3911

Services: Member Services, ATM, Drive-Thru

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Murfreesboro

College Street Branch

Type: Branch Office

839 W College St

Murfreesboro, TN 37129-2718

Phone: (615) 217-3240

Services: Member Services, ATM, Drive-Thru

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Mercury Blvd Branch

Type: Branch Office

1115 Doctor Martin Luther King Jr Blvd

Murfreesboro, TN 37130

Phone: (615) 410-2027

Services: Member Services, ATM, Drive-Thru

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Smyrna

Smyrna

Type: Branch Office

941 Sgt Asbury Hawn Way

Smyrna, TN 37167-3441

Phone: (615) 995-7070

Services: Member Services, ATM, Drive-Thru

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