HERITAGE SOUTH
Sylacauga, AL · State Credit Union · Chartered in AL
Who can join
Type 99
Members
15,428
Net Worth Ratio
9.64%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$189.5M
Peer Group 5
Members
15,428
as of latest quarter
Net Worth Ratio
9.64%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$189.5M
Total Shares
$171.3M
Total Loans
$131.4M
Net Income
$188K
Net Worth Ratio
9.64%
≥7% = Well Capitalized
Members
15,428
Return on Assets
0.10%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.40%
$527K
Loan-to-share ratio: 76.7%· healthy range 60–80%
Branch Locations
NCUA280 Office
60 Gene E Stewart Blvd, Sylacauga, AL, 35151
Monday-Wednesday 8:30 a.m. to 4:30 p.m. Thursday-Friday 8:30 a.m. to 6:00 p.m.
Broadway Branch
901 N Broadway Ave, Sylacauga, AL, 35150
Monday-Wednesday 8:30 a.m. to 4:30 p.m. Thursday-Friday 8:30 a.m. to 6:00 p.m.
Childersburg
14 Faye S Perry drive, Childersburg, AL, 35044
m-w 7:30-4:30 t-f 7:30-6:00
Moody Branch
2825 Moody Pkwy, Moody, AL, 35004-3102
7:30am-4:30pm Monday through Wednesday7:30am-5 pm Thursday7:30am-6pm Fridays
Alex City Branch
3553 US Hwy 280, Alexander City, AL, 35010
7:30 - 4:30 Mon - Wed7:30 - 6:00 Th- Fri
Eclectic
500 Madix Dr, Eclectic, AL, 36024
Goodwater
20984 AL Highway 9, Goodwater, AL, 35072-6620
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/heritage-south" target="_blank" rel="noopener">View HERITAGE SOUTH on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.