HERITAGE SOUTH
State-Chartered • Sylacauga, Alabama • Est. 1937
Quick Facts
- Charter Number
- #68586
- Type
- State-Chartered
- Established
- 1937
- Headquarters
- Sylacauga, Alabama 35150
- Address
- P.O. Box 128
- Branches
- 7
- ATMs
- 5
- Members
- 15,490
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
15,490 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HERITAGE SOUTH |
|---|---|
| Total Assets | $183.9M |
| Members | 15,490 |
| Loans Outstanding | $131.5M |
| Shares & Deposits | $166.8M |
| Net Worth | $18.1M |
| Net Worth Ratio | 9.84% |
| Loan-to-Share Ratio | 78.8% |
| Delinquency Rate | 0.62% |
| Net Income | +$1,292,307 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
7 locations · 5 ATMs
280 Office
Main Office60 Gene E Stewart Blvd
Sylacauga, AL 35151
Broadway Branch
901 N Broadway Ave
Sylacauga, AL 35150
Childersburg
14 Faye S Perry drive
Childersburg, AL 35044
Moody Branch
2825 Moody Pkwy
Moody, AL 35004-3102
Alex City Branch
3553 US Hwy 280
Alexander City, AL 35010
Who Can Join HERITAGE SOUTH?
Membership Type: Community
Membership eligibility for HERITAGE SOUTH may vary. Contact the credit union directly to confirm qualification requirements.
Contact HERITAGE SOUTH directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Alabama RankingsFrequently Asked Questions
Yes. HERITAGE SOUTH is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HERITAGE SOUTH has 15,490 members and a potential membership field of 1,540,518 people.
HERITAGE SOUTH's net worth ratio is 9.84% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.8%, HERITAGE SOUTH meets this threshold.
HERITAGE SOUTH operates 7 branch locations and has access to 5 ATMs. The main office is located at 60 Gene E Stewart Blvd, Sylacauga, AL 35151.
HERITAGE SOUTH was established in 1937. It is a state-chartered credit union chartered under charter number 68586. The institution has been serving members for 89 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HERITAGE SOUTH. All financial data is for informational purposes only.