credit union · NCUA 67748 · TN
How big is HERITAGE SOUTH COMMUNITY CU?
HERITAGE SOUTH COMMUNITY CU (TN, NCUA charter 67748) reported total assets of $361.9M, 36,500 members and a net worth ratio of 17.08% in its Call Report for 2026Q2. That ranks 938 of 4,299 federally insured credit unions by assets, 179 of 1,061 among credit unions with $100m-$500m in assets, 21 of 125 credit unions in tennessee.
What stands out
HERITAGE SOUTH COMMUNITY CU (TN, NCUA charter 67748) reported total assets of $361.9M, 36,500 members and a net worth ratio of 17.08% in its Call Report for 2026Q2. That ranks 938 of 4,299 federally insured credit unions by assets, 179 of 1,061 among credit unions with $100m-$500m in assets, 21 of 125 credit unions in tennessee. Against its size class: net worth ratio 17.08%, above the peer median of 11.65%; loan-to-share ratio 91.46%, above the peer median of 73.15%; return on assets 1.89%, above the peer median of 0.74%. At 17.08% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $361.9M | $198.1M | $54.7M | $68.3M | record → |
| Shares and deposits | $298.1M | $172.3M | $48.3M | $58.3M | record → |
| Loans outstanding | $272.7M | $125.2M | $29.4M | $34.4M | record → |
| Net income (year to date) | $3.4M | $766.3k | $207.8k | $222.2k | record → |
| Net worth | $61.6M | $24.5M | $7.4M | $9.0M | record → |
| Net worth ratio | 17.08% | 11.65% | 13.85% | 12.65% | record → |
| Loan-to-share ratio | 91.46% | 73.15% | 70.17% | 68.70% | computed |
| Return on assets | 1.89% | 0.74% | 0.76% | 0.71% | computed |
| Members | 36,500 | 13,230 | 4,083 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $361.9M | $298.1M | $272.7M | $3.4M | 17.08% | 36,500 | 938 |
| 2026Q1 | $359.9M | $297.8M | $267.1M | $1.8M | 16.76% | 36,074 | 936 |
| 2025Q4 | $358.2M | $296.9M | $268.9M | $4.6M | 16.42% | 35,653 | 932 |
| 2025Q3 | $361.7M | $289.2M | $261.1M | $4.0M | 16.48% | 35,203 | 918 |
| 2025Q2 | $351.6M | $280.8M | $257.2M | $2.7M | 16.44% | 34,728 | 936 |
| 2025Q1 | $345.6M | $281.3M | $248.4M | $1.4M | 16.36% | 34,241 | 945 |
| 2024Q4 | $337.9M | $269.4M | $245.5M | $5.4M | 16.35% | 34,264 | 951 |
| 2024Q3 | $334.3M | $266.7M | $243.5M | $4.8M | 16.53% | 33,870 | 952 |
| 2024Q2 | $325.4M | $261.8M | $241.4M | $2.9M | 16.07% | 33,603 | 968 |
| 2024Q1 | $312.6M | $260.3M | $237.3M | $1.4M | 15.85% | 34,126 | 1003 |
| 2023Q4 | $307.9M | $256.0M | $234.0M | $2.4M | 15.64% | 33,519 | 991 |
| 2023Q3 | $324.2M | $260.2M | $227.0M | $4.2M | 15.76% | 33,148 | 960 |
| 2023Q2 | $324.1M | $265.5M | $220.1M | $2.7M | 15.43% | 32,784 | 959 |
| 2023Q1 | $309.5M | $264.5M | $215.8M | $1.5M | 15.27% | 32,429 | 994 |
| 2022Q4 | $310.6M | $266.5M | $216.1M | $3.6M | 14.74% | 32,062 | 978 |
| 2022Q3 | $314.0M | $272.5M | $215.4M | $4.1M | 14.84% | 31,664 | 970 |
| 2022Q2 | $315.0M | $273.4M | $207.1M | $2.6M | 14.47% | 31,211 | 967 |
| 2022Q1 | $310.9M | $270.0M | $201.1M | $1.1M | 14.20% | 30,708 | 981 |
| 2021Q4 | $308.8M | $266.0M | $194.5M | $3.8M | 14.07% | 30,286 | 961 |
| 2021Q3 | $303.8M | $261.4M | $190.1M | $3.0M | 14.16% | 29,875 | 961 |
| 2021Q2 | $299.0M | $257.9M | $187.7M | $2.0M | 14.28% | 29,518 | 963 |
| 2021Q1 | $288.9M | $249.0M | $184.9M | $968.3k | 14.41% | 29,032 | 985 |
| 2020Q4 | $277.5M | $237.6M | $186.3M | $3.0M | 14.64% | 28,555 | 967 |
| 2020Q3 | $265.0M | $225.6M | $185.2M | $2.5M | 15.05% | 28,201 | 976 |
| 2020Q2 | $261.2M | $222.9M | $183.5M | $1.6M | 15.23% | 27,746 | 979 |
| 2020Q1 | $245.3M | $208.0M | $183.6M | $840.7k | 15.40% | 27,190 | 970 |
| 2019Q4 | $234.5M | $197.7M | $185.1M | $3.0M | 15.35% | 26,868 | 978 |
| 2019Q3 | $230.9M | $194.7M | $182.4M | $2.5M | 15.47% | 26,921 | 983 |
| 2019Q2 | $229.9M | $193.5M | $176.0M | $1.6M | 15.29% | 26,536 | 988 |
| 2019Q1 | $226.5M | $191.0M | $174.5M | $852.6k | 15.33% | 26,213 | 996 |
| 2018Q4 | $214.7M | $180.9M | $174.2M | $2.8M | 15.30% | 25,923 | 1014 |
| 2018Q3 | $216.7M | $182.5M | $174.6M | $2.4M | 15.56% | 25,430 | 1005 |
| 2018Q2 | $207.8M | $174.6M | $171.3M | $1.6M | 15.67% | 24,960 | 1038 |
| 2018Q1 | $205.9M | $173.7M | $164.0M | $933.2k | 15.68% | 24,173 | 1037 |
| 2017Q4 | $189.5M | $155.0M | $159.9M | $3.1M | 15.70% | 23,640 | 1071 |
| 2017Q3 | $190.9M | $159.2M | $153.8M | $2.6M | 15.47% | 23,104 | 1066 |
| 2017Q2 | $190.1M | $160.0M | $147.7M | $1.6M | 15.16% | 22,617 | 1063 |
| 2017Q1 | $187.6M | $158.4M | $142.2M | $754.1k | 14.99% | 22,233 | 1071 |
| 2016Q4 | $181.0M | $151.7M | $138.6M | $2.5M | 14.91% | 21,937 | 1070 |
| 2016Q3 | $179.2M | $150.8M | $135.7M | $2.0M | 14.89% | 21,529 | 1077 |
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