Heritage South Community Cu
Heritage South Community Cu is a credit union based in Shelbyville, Tennessee, established in 1957, with $360 million in total assets serving 36,074 members. By Trust Grade it ranks 29th of 126 credit unions we track in Tennessee. Its net worth ratio of 16.8% is stronger than 93% of similarly sized credit unions, versus a Tennessee median of 13.9%. It was profitable over the most recent period, with a 2.02% return on assets. No consumer complaints against Heritage South Community Cu appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Heritage South Community Cu compares to Tennessee peers
How we graded Heritage South Community Cu
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (16.8% capital ratio)
- Strongly profitable (ROA 2.02%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Heritage South Community Cu over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Heritage South Community Cu insured?
Yes. Heritage South Community Cu is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Heritage South Community Cu: frequently asked questions
Is Heritage South Community Cu a good credit union?
Heritage South Community Cu earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (16.8% capital ratio); Strongly profitable (ROA 2.02%).
Is Heritage South Community Cu NCUA-insured?
Yes. Heritage South Community Cu is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Heritage South Community Cu?
Heritage South Community Cu holds $360 million in total assets, ranking 29th of 126 credit unions we track in Tennessee. It serves 36,074 members.
Does Heritage South Community Cu have CFPB complaints?
No CFPB complaints against Heritage South Community Cu appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
