HERITAGE SOUTH COMMUNITY CU
State-Chartered • Shelbyville, Tennessee • Est. 1957
Quick Facts
- Charter Number
- #67748
- Type
- State-Chartered
- Established
- 1957
- Headquarters
- Shelbyville, Tennessee 37162
- Address
- P. O. Box 1219
- Branches
- 6
- ATMs
- 6
- Members
- 35,653
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
35,653 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HERITAGE SOUTH COMMUNITY CU |
|---|---|
| Total Assets | $358.2M |
| Members | 35,653 |
| Loans Outstanding | $268.9M |
| Shares & Deposits | $296.9M |
| Net Worth | $58.2M |
| Net Worth Ratio | 16.42% |
| Loan-to-Share Ratio | 90.5% |
| Delinquency Rate | 0.40% |
| Net Income | +$6,299,704 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 6 ATMs
Shelbyville
Main Office763 N Main St
Shelbyville, TN 37160-2846
Lewisburg
600 E Church St
Lewisburg, TN 37091-2852
MLK Jr Blvd Branch
1115 Dr Martin Luther King Blvd
Murfreesboro, TN 37130-7845
Smyrna
941 Sgt Asbury Hawn Way
Smyrna, TN 37167-3441
Manchester Branch
303 Hillsboro Blvd
Manchester, TN 37355
Who Can Join HERITAGE SOUTH COMMUNITY CU?
Membership Type: Community
Membership eligibility for HERITAGE SOUTH COMMUNITY CU may vary. Contact the credit union directly to confirm qualification requirements.
Contact HERITAGE SOUTH COMMUNITY CU directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Tennessee RankingsFrequently Asked Questions
Yes. HERITAGE SOUTH COMMUNITY CU 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 COMMUNITY CU has 35,653 members and a potential membership field of 661,444 people.
HERITAGE SOUTH COMMUNITY CU's net worth ratio is 16.42% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.4%, HERITAGE SOUTH COMMUNITY CU meets this threshold.
HERITAGE SOUTH COMMUNITY CU operates 6 branch locations and has access to 6 ATMs. The main office is located at 763 N Main St, Shelbyville, TN 37160-2846.
HERITAGE SOUTH COMMUNITY CU was established in 1957. It is a state-chartered credit union chartered under charter number 67748. The institution has been serving members for 69 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 COMMUNITY CU. All financial data is for informational purposes only.