Heritage South Community CU
Shelbyville, TN · Charter 67748 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$361.9MAssets
$272.7MLoans
$298.1MShares
$61.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 94% of credit unions under $1B in assets (rank 97 of 1683).
- Widest gap: nonperforming loans / loans trails 54% of credit unions under $1B in assets (rank 916 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.89%
Rank 97 of 1,683
Net Interest Margin
4.73%
Rank 238 of 1,683
Efficiency Ratio
68.14%
Rank 400 of 1,682
Equity / Assets
17.02%
Rank 391 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.89% | 0.35% | 0.74% | 1.18% | Beats 94% | 97 / 1,683 | | |
| Return on Equity | 11.10% | 2.67% | 5.89% | 8.74% | Beats 88% | 199 / 1,681 | | |
| Net Interest Margin | 4.73% | 3.31% | 3.82% | 4.32% | Beats 86% | 238 / 1,683 | | |
| Efficiency Ratio | 68.14% | 68.91% | 78.20% | 86.93% | Beats 76% | 400 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 46% | 916 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.02% | 10.44% | 12.89% | 16.53% | Beats 77% | 391 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.02% | 10.44% | 12.89% | 16.53% | Beats 77% | 391 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.46% | 52.61% | 69.38% | 83.50% | 89th pctl | 184 / 1,683 | | |
| Loans / Assets | 75.35% | 44.71% | 59.18% | 70.72% | 84th pctl | 274 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |