credit union · NCUA 68586 · AL
How big is HERITAGE SOUTH?
HERITAGE SOUTH (AL, NCUA charter 68586) reported total assets of $183.7M, 15,474 members and a net worth ratio of 10.18% in its Call Report for 2026Q2. That ranks 1349 of 4,299 federally insured credit unions by assets, 590 of 1,061 among credit unions with $100m-$500m in assets, 31 of 88 credit unions in alabama.
What stands out
HERITAGE SOUTH (AL, NCUA charter 68586) reported total assets of $183.7M, 15,474 members and a net worth ratio of 10.18% in its Call Report for 2026Q2. That ranks 1349 of 4,299 federally insured credit unions by assets, 590 of 1,061 among credit unions with $100m-$500m in assets, 31 of 88 credit unions in alabama. Against its size class: net worth ratio 10.18%, below the peer median of 11.65%; loan-to-share ratio 79.57%, above the peer median of 73.15%; return on assets 0.68%, below the peer median of 0.74%. At 10.18% 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 | $183.7M | $198.1M | $49.1M | $68.3M | record → |
| Shares and deposits | $165.8M | $172.3M | $42.7M | $58.3M | record → |
| Loans outstanding | $132.0M | $125.2M | $20.0M | $34.4M | record → |
| Net income (year to date) | $620.6k | $766.3k | $218.9k | $222.2k | record → |
| Net worth | $18.7M | $24.5M | $8.7M | $9.0M | record → |
| Net worth ratio | 10.18% | 11.65% | 14.15% | 12.65% | record → |
| Loan-to-share ratio | 79.57% | 73.15% | 58.66% | 68.70% | computed |
| Return on assets | 0.68% | 0.74% | 0.72% | 0.71% | computed |
| Members | 15,474 | 13,230 | 4,556 | 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 | $183.7M | $165.8M | $132.0M | $620.6k | 10.18% | 15,474 | 1349 |
| 2026Q1 | $189.5M | $171.3M | $131.4M | $188.1k | 9.64% | 15,428 | 1323 |
| 2025Q4 | $183.9M | $166.8M | $131.5M | $627.4k | 9.84% | 15,490 | 1338 |
| 2025Q3 | $180.2M | $163.4M | $130.8M | $440.8k | 9.93% | 15,544 | 1353 |
| 2025Q2 | $176.3M | $153.6M | $132.2M | $120.7k | 9.97% | 15,531 | 1373 |
| 2025Q1 | $176.6M | $159.5M | $129.8M | $207.0k | 10.00% | 15,531 | 1365 |
| 2024Q4 | $181.3M | $165.5M | $133.3M | $256.0k | 9.63% | 15,627 | 1335 |
| 2024Q3 | $184.6M | $168.6M | $132.0M | $377.2k | 9.52% | 15,673 | 1319 |
| 2024Q2 | $184.6M | $169.4M | $131.4M | $285.5k | 9.47% | 15,664 | 1320 |
| 2024Q1 | $186.3M | $171.3M | $128.6M | $40.8k | 9.26% | 15,568 | 1319 |
| 2023Q4 | $174.8M | $154.9M | $130.5M | $965.0k | 9.84% | 15,488 | 1351 |
| 2023Q3 | $172.9M | $152.6M | $129.6M | $1.0M | 10.00% | 15,400 | 1362 |
| 2023Q2 | $173.3M | $153.2M | $127.0M | $633.1k | 9.73% | 15,405 | 1363 |
| 2023Q1 | $172.3M | $157.9M | $121.1M | $299.2k | 9.60% | 15,342 | 1385 |
| 2022Q4 | $167.2M | $152.8M | $120.9M | $987.9k | 9.81% | 14,838 | 1394 |
| 2022Q3 | $173.6M | $159.7M | $116.8M | $798.5k | 9.13% | 14,813 | 1367 |
| 2022Q2 | $176.8M | $162.8M | $113.8M | $518.6k | 8.81% | 14,772 | 1359 |
| 2022Q1 | $177.5M | $164.0M | $109.5M | $234.0k | 8.61% | 14,607 | 1352 |
| 2021Q4 | $172.6M | $158.7M | $110.1M | $768.5k | 8.72% | 14,608 | 1357 |
| 2021Q3 | $175.2M | $160.5M | $107.0M | $703.8k | 8.56% | 14,535 | 1340 |
| 2021Q2 | $170.9M | $156.7M | $108.9M | $522.5k | 8.66% | 14,458 | 1347 |
| 2021Q1 | $172.2M | $158.9M | $105.5M | $310.0k | 8.47% | 14,193 | 1336 |
| 2020Q4 | $163.4M | $149.9M | $108.1M | $575.7k | 8.74% | 14,103 | 1323 |
| 2020Q3 | $161.8M | $148.6M | $105.4M | $439.5k | 8.74% | 14,117 | 1314 |
| 2020Q2 | $162.8M | $149.5M | $106.6M | $278.6k | 8.59% | 14,050 | 1296 |
| 2020Q1 | $146.8M | $133.9M | $104.3M | $185.7k | 9.46% | 13,866 | 1323 |
| 2019Q4 | $142.9M | $130.2M | $106.0M | $491.9k | 9.59% | 13,665 | 1320 |
| 2019Q3 | $140.2M | $127.0M | $103.3M | $534.8k | 9.80% | 13,528 | 1330 |
| 2019Q2 | $131.7M | $118.8M | $102.4M | $465.1k | 10.38% | 13,310 | 1383 |
| 2019Q1 | $131.5M | $118.7M | $94.0M | $191.2k | 10.19% | 13,020 | 1390 |
| 2018Q4 | $125.1M | $112.9M | $94.8M | $-79.2k | 10.56% | 12,706 | 1408 |
| 2018Q3 | $126.6M | $114.5M | $92.9M | $-370.5k | 10.20% | 12,617 | 1397 |
| 2018Q2 | $122.5M | $111.1M | $92.6M | $-723.7k | 10.26% | 12,276 | 1433 |
| 2018Q1 | $126.1M | $113.7M | $88.1M | $166.4k | 10.67% | 11,927 | 1402 |
| 2017Q4 | $121.2M | $109.1M | $88.3M | $690.9k | 10.96% | 11,506 | 1421 |
| 2017Q3 | $119.9M | $107.6M | $87.4M | $777.9k | 11.16% | 11,303 | 1428 |
| 2017Q2 | $120.8M | $108.7M | $86.7M | $407.0k | 10.77% | 11,165 | 1427 |
| 2017Q1 | $118.7M | $106.6M | $82.6M | $185.2k | 10.77% | 10,936 | 1441 |
| 2016Q4 | $114.0M | $102.5M | $80.4M | $528.8k | 11.05% | 10,712 | 1458 |
| 2016Q3 | $113.4M | $101.6M | $79.3M | $507.4k | 11.09% | 10,612 | 1463 |
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