Charter 67748 · Shelbyville, TN
Heritage South Community CU
Heritage South Community CU is a state-chartered credit union in Shelbyville, Tennessee, with $362 million in assets and 36,500 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 17.08%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $362 million
- +2.9% in a year
- Members
- 36,500
- +5.1% in a year
- Net worth ratio
- 17.08%
- Peer median 11.65%
- Loans 60+ days late
- 0.75%
- Peer median 0.70%
- Loans outstanding
- $273 million
- +6.0% in a year
- Shares and deposits
- $298 million
- +6.2% in a year
- Branches
- 6
- 88 employees
- Opened
- 1957
- Tennessee charter
How Heritage South Community CU compares
NCUA groups credit unions by size; Heritage South Community CU is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 17.08% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.75%, is about the same as the group median of 0.70%. Loans grew 6.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 21 of 125 credit unions headquartered in Tennessee. See all Tennessee credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $362 million | 36,500 | $273 million | 17.08% | 0.75% |
| Q1 2026 | $360 million | 36,074 | $267 million | 16.76% | 0.43% |
| Q4 2025 | $358 million | 35,653 | $269 million | 16.42% | 0.40% |
| Q3 2025 | $362 million | 35,203 | $261 million | 16.48% | 0.36% |
| Q2 2025 | $352 million | 34,728 | $257 million | 16.44% | 0.47% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 677,266 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Heritage South Community CU. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Shelbyville (main office)
763 N Main St, Shelbyville, TN 37160 - Lewisburg
600 E Church St, Lewisburg, TN 37091 - MLK Jr Blvd Branch
1115 Dr Martin Luther King Blvd, Murfreesboro, TN 37130 - Smyrna
941 Sgt Asbury Hawn Way, Smyrna, TN 37167 - Manchester Branch
303 Hillsboro Blvd, Manchester, TN 37355 - Fayetteville Branch
4120 Thornton Taylor Pkwy Ste D, Fayetteville, TN 37334
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology