HERITAGE SOUTH
Charter #68586 · Sylacauga, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.40% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 4.08% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 86.13% sits at the 79th 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $189.49M | 47th pct | 43th pct |
| Members | 15,428 | 61th pct | 56th pct |
| Net worth ratio | 9.64% | 23th pct | 30th pct |
| Return on average assets | 0.40% | 29th pct | 16th pct |
| Net interest margin | 4.08% | 75th pct | 75th pct |
| Cost of funds | 1.48% | 66th pct | 66th pct |
| Loan-to-share | 76.68% | 60th pct | 56th pct |
| Delinquency 60+ days | 0.67% | 55th pct | 51th pct |
| Net charge-off ratio | 0.40% | 54th pct | 52th pct |
| Loan growth YoY | 0.43% | 52th pct | 44th pct |
| Share growth YoY | 4.81% | 69th pct | 64th pct |
| Efficiency ratio | 86.13% | 75th pct | 79th pct |
structural peer set hash: 12409649a3a17269923275db4b23ea5a… (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.