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

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 5 branches reported by HERITAGE SOUTH (Charter #68586).

Main Office

280 Office Main Office

Type: Corporate Office

60 Gene E Stewart Blvd

Sylacauga, AL 35151

Phone: (256) 245-4776

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Alexander City

Alex City Branch

Type: Branch Office

3553 US Hwy 280

Alexander City, AL 35010

Phone: (256) 245-4776

Services: Member Services, ATM, Drive-Thru

Open in Directions

Childersburg

Childersburg

Type: Branch Office

14 Faye S Perry drive

Childersburg, AL 35044

Phone: (256) 245-4776

Services: Member Services, ATM, Drive-Thru

Open in Directions

Moody

Moody Branch

Type: Branch Office

2825 Moody Pkwy

Moody, AL 35004-3102

Phone: (256) 245-4776

Services: Member Services, ATM, Drive-Thru

Open in Directions

Sylacauga

Broadway Branch

Type: Branch Office

901 N Broadway Ave

Sylacauga, AL 35150

Phone: (256) 245-4776

Services: Member Services, ATM, Drive-Thru

Open in Directions