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Heritage South
Sylacauga, AL · NCUA Charter #68586 · State charter, federally insured · Chartered 1937
Total assets
$183.67M
Shares & deposits
$165.85M
Total loans
$131.96M
Members
15,474
Net worth
$18.70M
Branches
7
Rank: #1,349 of 4,299 U.S. credit unions by assets · #31 of 88 in Alabama. Assets changed 4.2% and membership -0.4% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 10.18% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.50% |
| Loans to shares & deposits | 79.6% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $176.78M | $162.82M | $0 | $15.57M |
| Jun 2023 | $173.28M | $153.17M | $0 | $16.87M |
| Jun 2024 | $184.63M | $169.44M | $0 | $17.49M |
| Jun 2025 | $176.26M | $153.60M | $0 | $17.58M |
| Jun 2026 | $183.67M | $165.85M | $0 | $18.70M |
Branch footprint
| State | Branches |
|---|---|
| Alabama | 7 |
Similar-sized credit unions
First Choice Financial ($183.68M) · Lincone ($183.62M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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