HERITAGE SOUTH Credit Union Profile

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HERITAGE SOUTH

Charter #68586 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (256) 245-4776

Fax: (256) 401-1288

Founding Date: N/A

Website: http://www.myhscu.com

Personnel & Operations

President: Grier, Mindy

Manager: Payton, Jamie

FT Employees: 58

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 7

Hours: Monday-Wednesday 8:30 a.m. to 4:30 p.m. Th

Credit Union Profile Summary

HERITAGE SOUTH is a FISCU Credit Union. With a total of 15,531 members ^[1], this institution manages approximately $176,258,658 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.97% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.63% ^[1].

Financial Snapshot

Total Assets ^[1]

$176,258,658

Total economic resources.

Total Loans ^[1]

$132,194,905

Total value of outstanding loans.

Total Deposits ^[1]

$153,604,867

Total funds deposited by members.

Members ^[1]

15,531

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.97%

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]

0.14%

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

Loan-to-Share Ratio ^[1]

86.06%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↓ -4.54%

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

Loan Growth (4Q) ^[1]

↑ 0.63%

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

Member Growth (4Q) ^[1]

↓ -0.85%

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

Headquarters Location & Map

Headquarters Address

60 Gene E Stewart Blvd

Sylacauga, AL, 35151

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

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