Heritage South Community Credit Union

Heritage South Community Credit Union is headquartered in SHELBYVILLE and is the 23^rd largest credit union in the state of Tennessee. It is also the 1,069^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 51 employees and 20,725 members. Heritage South Community Credit Union's money market rates are 48% higher than the national average, and it has a 4-star health rating.

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Heritage South Community Credit Union Savings Account Rates

Heritage South Community Credit Union Money Market Rates

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Heritage South Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics HERITAGE SOUTH COMMUNITY CU NCUA # 67748 BankRate Report View Year Chartered 1957 Employees 51 Primary Regulator Assets and Liabilities Assets $148.30 million Loans $110.75 million Deposits $130.91 million Equity Capital $15.96 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $2.00 million Real Estate Owned $2.12 million Historic Data - December 2010 Assets $148.23 million Equity Capital $14.75 million Loan Loss Allowance $1.84 million Unbacked Noncurrent Loans $2.56 million Real Estate Owned $1.05 million Profit Margin - Quarterly Net Interest Margin 5.47% Return on Assets 0.64% Return on Equity 5.97% Interest Income $8.79 million Non-Interest Income $3.12 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Heritage South Community Credit Union had $4.11 million in non-current loans and owned real-estate with $17.9 million in equity and loan loss allowances on hand to cover it. This gives Heritage South Community Credit Union a Texas Ratio of 22.97% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Heritage South Community Credit Union held steady from 21.76% as of December 31, 2010 to 22.97% as of December 31, 2011, resulting in a negative change of 5.54%. This indicates that the balance sheet and financial strength for Heritage South Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Heritage South Community Credit Union has decreased its total deposits by -$1.1 million, resulting in -0.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Heritage South Community Credit Union has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Heritage South Community Credit Union has $148.3 million in assets with $17.9 million in equity, resulting in a capitalization level of 12.07%, which is excellent.

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