credit union · NCUA 9986 · SC
How big is HERITAGE TRUST?
HERITAGE TRUST (SC, NCUA charter 9986) reported total assets of $1.2B, 66,744 members and a net worth ratio of 13.75% in its Call Report for 2026Q2. That ranks 401 of 4,299 federally insured credit unions by assets, 376 of 454 among credit unions with $1b-$10b in assets, 9 of 45 credit unions in south carolina.
What stands out
HERITAGE TRUST (SC, NCUA charter 9986) reported total assets of $1.2B, 66,744 members and a net worth ratio of 13.75% in its Call Report for 2026Q2. That ranks 401 of 4,299 federally insured credit unions by assets, 376 of 454 among credit unions with $1b-$10b in assets, 9 of 45 credit unions in south carolina. Against its size class: net worth ratio 13.75%, above the peer median of 10.89%; loan-to-share ratio 106.30%, above the peer median of 88.03%; return on assets 0.44%, below the peer median of 0.80%. At 13.75% 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 | $1.2B | $2.1B | $98.3M | $68.3M | record → |
| Shares and deposits | $968.4M | $1.8B | $80.4M | $58.3M | record → |
| Loans outstanding | $1.0B | $1.5B | $64.9M | $34.4M | record → |
| Net income (year to date) | $2.7M | $8.3M | $408.8k | $222.2k | record → |
| Net worth | $170.2M | $244.6M | $19.8M | $9.0M | record → |
| Net worth ratio | 13.75% | 10.89% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 106.30% | 88.03% | 71.91% | 68.70% | computed |
| Return on assets | 0.44% | 0.80% | 0.85% | 0.71% | computed |
| Members | 66,744 | 115,183 | 9,129 | 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 | $1.2B | $968.4M | $1.0B | $2.7M | 13.75% | 66,744 | 401 |
| 2026Q1 | $1.2B | $962.5M | $989.8M | $1.5M | 13.93% | 66,276 | 405 |
| 2025Q4 | $1.2B | $934.6M | $978.1M | $6.4M | 14.16% | 67,129 | 407 |
| 2025Q3 | $1.1B | $922.9M | $939.9M | $5.2M | 14.76% | 67,129 | 415 |
| 2025Q2 | $1.1B | $923.2M | $926.0M | $3.5M | 14.65% | 66,770 | 414 |
| 2025Q1 | $1.1B | $925.9M | $881.9M | $1.8M | 14.47% | 66,477 | 410 |
| 2024Q4 | $1.1B | $897.3M | $877.6M | $5.7M | 14.74% | 66,029 | 411 |
| 2024Q3 | $1.1B | $881.0M | $863.1M | $4.8M | 15.13% | 67,126 | 415 |
| 2024Q2 | $1.1B | $919.7M | $873.8M | $3.3M | 14.49% | 67,257 | 406 |
| 2024Q1 | $1.1B | $927.6M | $880.3M | $1.4M | 14.24% | 67,257 | 400 |
| 2023Q4 | $1.1B | $890.8M | $873.3M | $7.0M | 14.63% | 67,357 | 407 |
| 2023Q3 | $1.1B | $883.8M | $912.4M | $5.7M | 14.88% | 68,373 | 403 |
| 2023Q2 | $1.1B | $865.5M | $948.3M | $3.3M | 14.98% | 68,373 | 408 |
| 2023Q1 | $1.1B | $902.0M | $966.0M | $1.4M | 14.38% | 70,127 | 401 |
| 2022Q4 | $1.1B | $900.6M | $978.9M | $8.8M | 14.28% | 68,373 | 397 |
| 2022Q3 | $1.1B | $913.7M | $936.9M | $7.6M | 14.57% | 70,677 | 401 |
| 2022Q2 | $986.3M | $818.4M | $877.5M | $5.0M | 15.72% | 69,551 | 422 |
| 2022Q1 | $922.8M | $821.7M | $783.3M | $2.4M | 9.74% | 68,373 | 452 |
| 2021Q4 | $892.8M | $795.3M | $751.9M | $7.8M | 9.79% | 68,239 | 455 |
| 2021Q3 | $922.8M | $789.5M | $756.3M | $6.7M | 9.35% | 68,379 | 436 |
| 2021Q2 | $905.3M | $776.3M | $738.8M | $4.0M | 9.24% | 67,956 | 437 |
| 2021Q1 | $901.4M | $771.5M | $691.5M | $2.0M | 9.05% | 66,839 | 431 |
| 2020Q4 | $741.1M | $629.1M | $580.3M | $4.8M | 9.19% | 51,714 | 495 |
| 2020Q3 | $717.4M | $606.7M | $553.0M | $2.7M | 9.20% | 51,270 | 493 |
| 2020Q2 | $700.8M | $591.1M | $521.5M | $956.5k | 9.17% | 50,950 | 495 |
| 2020Q1 | $654.8M | $548.9M | $485.8M | $155.6k | 9.69% | 50,522 | 488 |
| 2019Q4 | $645.9M | $536.9M | $481.6M | $3.3M | 9.80% | 50,389 | 481 |
| 2019Q3 | $639.4M | $533.0M | $480.6M | $3.0M | 9.85% | 50,431 | 478 |
| 2019Q2 | $641.3M | $534.4M | $476.9M | $2.4M | 9.73% | 50,123 | 475 |
| 2019Q1 | $639.9M | $535.8M | $465.9M | $1.8M | 9.65% | 49,683 | 469 |
| 2018Q4 | $624.2M | $522.8M | $464.3M | $2.3M | 9.61% | 49,280 | 466 |
| 2018Q3 | $620.7M | $518.9M | $458.4M | $1.8M | 9.58% | 49,343 | 465 |
| 2018Q2 | $621.3M | $525.3M | $432.9M | $423.8k | 9.35% | 49,365 | 461 |
| 2018Q1 | $611.4M | $516.2M | $415.6M | $-447.4k | 9.36% | 49,072 | 468 |
| 2017Q4 | $594.7M | $498.2M | $403.7M | $3.2M | 9.69% | 48,551 | 466 |
| 2017Q3 | $592.4M | $496.3M | $397.7M | $2.3M | 9.59% | 48,114 | 465 |
| 2017Q2 | $589.9M | $495.6M | $387.3M | $1.3M | 9.47% | 47,487 | 461 |
| 2017Q1 | $583.3M | $491.5M | $366.8M | $644.1k | 9.45% | 46,842 | 468 |
| 2016Q4 | $565.5M | $472.5M | $360.6M | $3.0M | 9.64% | 45,368 | 464 |
| 2016Q3 | $554.7M | $463.3M | $354.1M | $2.2M | 9.67% | 45,861 | 471 |
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