Heritage South
Sylacauga, AL · Charter 68586 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$183.7MAssets
$132.0MLoans
$165.8MShares
$18.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 73% of credit unions under $1B in assets (rank 461 of 1683).
- Widest gap: equity / assets trails 78% of credit unions under $1B in assets (rank 1307 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.68%
Rank 916 of 1,683
Net Interest Margin
4.26%
Rank 461 of 1,683
Efficiency Ratio
82.36%
Rank 1,051 of 1,682
Equity / Assets
10.18%
Rank 1,307 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.35% | 0.74% | 1.18% | Beats 46% | 916 / 1,683 | | |
| Return on Equity | 6.64% | 2.67% | 5.89% | 8.74% | Beats 57% | 720 / 1,681 | | |
| Net Interest Margin | 4.26% | 3.31% | 3.82% | 4.32% | Beats 73% | 461 / 1,683 | | |
| Efficiency Ratio | 82.36% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,051 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,028 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.18% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,307 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.18% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,307 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.57% | 52.61% | 69.38% | 83.50% | 68th pctl | 531 / 1,683 | | |
| Loans / Assets | 71.85% | 44.71% | 59.18% | 70.72% | 77th pctl | 385 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |