Charter 68586 · Sylacauga, AL
Heritage South Credit Union
Heritage South Credit Union is a state-chartered credit union in Sylacauga, Alabama, with $184 million in assets and 15,474 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.18%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $184 million
- +4.2% in a year
- Members
- 15,474
- -0.4% in a year
- Net worth ratio
- 10.18%
- Peer median 11.65%
- Loans 60+ days late
- 0.88%
- Peer median 0.70%
- Loans outstanding
- $132 million
- -0.2% in a year
- Shares and deposits
- $166 million
- +8.0% in a year
- Branches
- 7
- 64 employees
- Opened
- 1937
- Alabama charter
How Heritage South Credit Union compares
NCUA groups credit unions by size; Heritage South Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.18% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.88%, is higher than the group median of 0.70%. Loans fell 0.2% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 31 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $184 million | 15,474 | $132 million | 10.18% | 0.88% |
| Q1 2026 | $189 million | 15,428 | $131 million | 9.64% | 0.67% |
| Q4 2025 | $184 million | 15,490 | $131 million | 9.84% | 0.62% |
| Q3 2025 | $180 million | 15,544 | $131 million | 9.93% | 0.67% |
| Q2 2025 | $176 million | 15,531 | $132 million | 9.97% | 0.52% |
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 1.5 million 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 7 sites for Heritage South Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- 280 Office (main office)
60 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 - Alex City Branch
3553 Us Hwy 280, Alexander City, AL 35010 - Eclectic
500 Madix Dr, Eclectic, AL 36024 - Goodwater
20984 Al Highway 9, Goodwater, AL 35072
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