PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Heritage South Community CU

Shelbyville, TN · Charter 67748

NCUA · 6 branches

Q2 2026

$361.9MAssets
$272.7MLoans
$298.1MShares
$61.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.89%, up 33 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 0.75% of loans (+28 bps YoY).
  • Capital: net worth / assets of 17.02%, up 101 bps from a year ago.
  • Funding: loans stand at 91.46% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.89%+33 bps YoY

Net Interest Margin (quarter, annualized)

4.73%+39 bps YoY

Efficiency Ratio (quarter, annualized)

68.14%+15 bps YoY

Net Worth / Assets

17.02%+101 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.47%1.29%2.02%1.89%+33 bps
Return on Equity9.76%9.26%7.93%12.11%11.10%+134 bps
Net Interest Margin4.35%4.33%4.45%4.70%4.73%+39 bps
Efficiency Ratio67.99%68.92%73.04%67.48%68.14%+15 bps
Growth
Asset Growth (YoY)8.06%8.20%6.01%4.14%2.91%-515 bps
Loan Growth (YoY)6.54%7.23%9.53%7.56%6.01%-52 bps
Share Growth (YoY)7.26%8.44%10.22%5.87%6.18%-108 bps
Asset Quality
Delinquent Loans / Loans0.47%0.36%0.40%0.43%0.75%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.01%15.91%16.23%16.66%17.02%+101 bps
Net Worth / Assets16.01%15.91%16.23%16.66%17.02%+101 bps
Liquidity & Funding
Loans / Shares91.60%90.28%90.55%89.70%91.46%-15 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps