HERITAGE SOUTH COMMUNITY CU

Charter #67748 | TN

100M-500M (1077 CUs) Micro
25 100M-500M in TN

HERITAGE SOUTH COMMUNITY CU has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 3.7% in tier
  • + Organic Growth Leader: Top 9.1% in tier
  • + Wallet Share Momentum: Top 21.7% in tier
  • + Relationship Depth Leader: Top 32.5% in tier
  • + ROA 0.71% above tier average
  • + Net Interest Margin 0.81% above tier average
  • + Total Members: Top 4.2% in tier
  • + Net Worth Ratio: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 2.4% in tier
  • - Liquidity Overhang: Bottom 19.3% in tier
  • - Growth-at-Risk: Bottom 22.5% in tier
  • - Credit Quality Pressure: Bottom 26.4% in tier
  • - Liquidity Strain: Bottom 27.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 35,203
+3.9% YoY+1.4% QoQ
 +19.6K 15,628
-3.4% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 Top 4.3% in tier
Assets $361.7M
+8.2% YoY+2.9% QoQ
 +$130.4M $231.3M
-0.0% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 Top 16.0% in tier
Loans $261.1M
+7.2% YoY+1.5% QoQ
 +$113.3M $147.8M
-1.4% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 Top 11.8% in tier
Deposits $289.2M
+8.4% YoY+3.0% QoQ
 +$88.9M $200.3M
-0.0% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 Top 20.5% in tier
ROA 1.5%
-22.4% YoY-5.2% QoQ
 +0.7% 0.8%
+15.5% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Top 12.3% in tier
NIM 4.4%
-0.4% YoY+0.2% QoQ
 +0.8% 3.6%
+6.9% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 Top 11.8% in tier
Efficiency Ratio 68.9%
+3.3% YoY+1.4% QoQ
 -8.4% 77.3%
-3.0% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 Bottom 23.5% in tier
Delinquency Rate 0.4%
+8.8% YoY-24.2% QoQ
 -0.5 0.9%
+7.6% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 Bottom 22.9% in tier
Loan To Share 90.3%
-1.1% YoY-1.4% QoQ
 +17.6% 72.7%
-1.5% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 15.3% in tier
AMR $15,632
+3.8% YoY+0.9% QoQ
 $-9K $24,363
+2.9% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 Bottom 12.3% in tier
CD Concentration 33.6%
+10.1% YoY+2.7% QoQ
 +9.2% 24.4%
+4.2% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 6.1%
+33.7% YoY+32.0% QoQ
 -7.9% 14.0%
-5.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#68 of 603 • Top 3.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.94%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.49%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 6.09%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#121 of 430 • Top 9.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.94%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Wallet Share Momentum

growth
#600 of 1006 • Top 21.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.78%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#897 of 1006 • Top 32.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.78%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Margin Compression

decline
#11 of 136 • Bottom 2.4% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.49%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.43% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $361.70M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk
#300 of 552 • Bottom 19.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.48%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 90.28%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Growth-at-Risk

risk
#338 of 446 • Bottom 22.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 7.23%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#653 of 736 • Bottom 26.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Strain

risk
#214 of 258 • Bottom 27.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.28%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.23%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (14 metrics)

46
Total Members
engagement
Value: 35,203
Peer Avg: 15,628
#46 of 1077 Top 4.2% in 100M-500M tier
98
Net Worth Ratio
risk
Value: 16.48%
Peer Avg: 12.15%
#98 of 1077 Top 9.0% in 100M-500M tier
127
Net Interest Margin (NIM)
profitability
Value: 4.39%
Peer Avg: 3.58%
#127 of 1077 Top 11.7% in 100M-500M tier
127
Total Loans
balance_sheet
Value: $261.10M
Peer Avg: $147.80M
#127 of 1077 Top 11.7% in 100M-500M tier
133
Return on Assets (ROA)
profitability
Value: 1.49%
Peer Avg: 0.79%
#133 of 1077 Top 12.3% in 100M-500M tier
139
Member Growth Rate
growth
Value: 3.94%
Peer Avg: 0.72%
#139 of 1077 Top 12.8% in 100M-500M tier
165
Loan-to-Share Ratio
balance_sheet
Value: 90.28%
Peer Avg: 72.70%
#165 of 1077 Top 15.2% in 100M-500M tier
172
Total Assets
balance_sheet
Value: $361.70M
Peer Avg: $231.30M
#172 of 1077 Top 15.9% in 100M-500M tier
189
Deposit Growth Rate
growth
Value: 8.44%
Peer Avg: 4.69%
#189 of 1077 Top 17.5% in 100M-500M tier
200
Asset Growth Rate
growth
Value: 8.20%
Peer Avg: 4.70%
#200 of 1077 Top 18.5% in 100M-500M tier

Top Weaknesses (2 metrics)

944
Average Member Relationship (AMR)
engagement
Value: $15,632
Peer Avg: $24,363
#944 of 1077 Bottom 12.4% in 100M-500M tier
876
Share Certificate Concentration (%)
balance_sheet
Value: 33.57%
Peer Avg: 23.61%
#876 of 1077 Bottom 18.8% in 100M-500M tier