HERITAGE SOUTH COMMUNITY CU
Charter #67748 · Shelbyville, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 36,074 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 16.76% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.02% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.71% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.93% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HERITAGE SOUTH COMMUNITY CU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $359.91M | 83th pct | 66th pct |
| Members | 36,074 | 98th pct | 93th pct |
| Net worth ratio | 16.76% | 92th pct | 92th pct |
| Return on average assets | 2.02% | 96th pct | 95th pct |
| Net interest margin | 4.71% | 93th pct | 93th pct |
| Cost of funds | 1.93% | 86th pct | 80th pct |
| Loan-to-share | 89.70% | 88th pct | 75th pct |
| Delinquency 60+ days | 0.43% | 34th pct | 31th pct |
| Net charge-off ratio | 0.64% | 75th pct | 77th pct |
| Loan growth YoY | 2.31% | 69th pct | 72th pct |
| Share growth YoY | 2.98% | 42th pct | 58th pct |
| Efficiency ratio | 67.48% | 20th pct | 20th pct |
structural peer set hash: c34dd31362991844439e565bf27218ec… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.