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The Lender Report built this page from public records. Heritage South Community CU has not reviewed it. Every lender's page starts this way, and it says nothing about Heritage South Community CU itself. Each figure shows its source and date. Work at Heritage South Community CU? You can claim this page for free.
Credit union, Shelbyville, TN
Heritage South Community CU
A credit union based in Shelbyville, TN. Its commercial book is mostly owner-occupied CRE. Public files show recent 1-4 unit investor and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $38.5M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 11
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $362M
- NCUA 5300,
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How to reach them
Each line shows where it came from
- Phone
- 931-680-1400 From the NCUA record, June 30, 2026.
- Website
- www.heritagesouth.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- heritagesouth.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- HERITAGE SOUTH COMMUNITY CREDINCUA 5300,
- Address
- P. O. Box 1219, Shelbyville, TN 37162NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Heritage South Community CU's Farmland balance rose from $126K to $1.7M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 27.7% to $28.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $319K | 0.1% | Not reported | 2 | $159K |
| Construction and land development | $4.38M | 1.6% | -43.5% | 8 | $548K |
| Owner-occupied CRE | $28.7M | 10.5% | +27.7% | 81 | $354K |
| Non-owner-occupied CRE | $0 | 0.0% | Not reported | 0 | Not reported |
| Farmland | $1.67M | 0.6% | Not reported | 3 | $558K |
| Commercial and industrial | $3.43M | 1.3% | -1.3% | 51 | $67.3K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $38.5M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $32.8M |
| Q4 2023 | $32.2M |
| Q1 2024 | $31.5M |
| Q2 2024 | $32.1M |
| Q3 2024 | $32.7M |
| Q4 2024 | $34.2M |
| Q1 2025 | $35.4M |
| Q2 2025 | $34.2M |
| Q3 2025 | $35.3M |
| Q4 2025 | $38.5M |
| Q1 2026 | $35.4M |
| Q2 2026 | $38.5M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 61 | $14.4M | $145K | HMDA, | |
| Real-estate-secured commercial | First half of 2026 | 11 | $6.06M | NCUA 5300, | ||
| Construction | First half of 2026 | 2 | $800K | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 7 | $3.71M | NCUA 5300, | ||
| C&I | First half of 2026 | 6 | $459K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
| Book | Average loan |
|---|---|
| Construction and land development | $548K |
| Multifamily | $159K |
| Owner-occupied CRE | $354K |
| Farmland | $558K |
| Commercial and industrial | $67.3K |
Programs on record: Federal Home Loan Bank member, Cincinnati district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Tennessee HQ | 6 | 0 | 61 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $44.3M | $22.7M to $61.6M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $40.6M | $0 to $23.9M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 91.5% | 0.0% to 52.5% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $9.24M | $2.63M to $10.9M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 7.6% | 0.0% to 5.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 75.3% | 22.5% to 80.2% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Comtrust Credit Union | TN | $430M | $427K |
| Employee Resources Credit Union | TN | $186M | $650K |
| Northeast Community Credit Union | TN | $194M | $2.13M |
| Bowater Employees Credit Union | TN | $303M | $0 |
| Alcoa Tenn Credit Union | TN | $427M | $281K |
| Memphis City Employees Credit Union | TN | $503M | $0 |
| United Southeast Credit Union | TN | $256M | $0 |
| Marshall Community Credit Union | MI | $372M | $20.4M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Heritage South Community CU, NCUA charter 67748. Compare it with the regulator's record. [NCUA profile]
- Balances. $362M in total assets and $38.5M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 11 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 61 loans in the HMDA file, in 2025: 61 HMDA 1-4 unit investor 2025. [How each file was tied to Heritage South Community CU]
- Phone and website. Phone 931-680-1400, from the NCUA record. Website heritagesouth.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 67748
- RSSD
- 539498
- LEI
- 5493006MRGHEPWMR2015
- The Lender Report ID
- lr_003166
- Main office county
- Bedford
- Members
- 36,936
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $361.9M in total assets as of June 30, 2026 (NCUA 5300).
- Held $38.5M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $28.7M of owner-occupied commercial real estate loans as of June 30, 2026, up 27.7% from a year earlier (NCUA 5300).
- Held $4.4M of construction and land loans as of June 30, 2026 (NCUA 5300).
- Held $3.4M of commercial and industrial loans as of June 30, 2026 (NCUA 5300).
- Originated 61 1-4 unit investor or business-purpose loans totaling $14.4M in 2025 (HMDA).
2 more sentences
- Originated 11 real-estate-secured commercial loans totaling $6.1M in the first half of 2026 (NCUA 5300).
- Listed 6 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Heritage South Community CU, https://lender.report/lender/heritage-south-community-cu-tn/, data as of June 30, 2026.
Sources
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem