Heritage South
Heritage South is a credit union based in Sylacauga, Alabama, established in 1937, with $189 million in total assets serving 15,428 members. By Trust Grade it ranks 75th of 89 credit unions we track in Alabama. Its net worth ratio of 9.6% trails most similarly sized credit unions (25th percentile), versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 0.40% return on assets. No consumer complaints against Heritage South 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 compares to Alabama peers
How we graded Heritage South
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.6% capital ratio)
- Profitable (ROA 0.40%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Heritage South over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Heritage South insured?
Yes. Heritage South 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: frequently asked questions
Is Heritage South a good credit union?
Heritage South earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (9.6% capital ratio); Profitable (ROA 0.40%).
Is Heritage South NCUA-insured?
Yes. Heritage South 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?
Heritage South holds $189 million in total assets, ranking 75th of 89 credit unions we track in Alabama. It serves 15,428 members.
Does Heritage South have CFPB complaints?
No CFPB complaints against Heritage South 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.
