Sylacauga, AL · State Credit Union · Chartered in AL
Who can join
State government employees (special charter)
Members
15,428
Net Worth Ratio
9.64%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$189.5M
Total Shares
$171.3M
Total Loans
$131.4M
Net Income
$188K
Net Worth Ratio
9.64%
≥7% = Well Capitalized
Members
15,428
Return on Assets
0.10%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.40%
$527K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 74 | 51 | 8 | 68.9% | 10.8% |
| 2022 | 126 | 93 | 13 | 73.8% | 10.3% |
| 2021 | 125 | 92 | 12 | 73.6% | 9.6% |
No CFPB complaint data available for this credit union.
280 Office
60 Gene E Stewart Blvd, Sylacauga, AL, 35151
Monday-Wednesday 8:30 a.m. to 4:30 p.m. Thursday-Friday 8:30 a.m. to 6:00 p.m.
Broadway Branch
901 N Broadway Ave, Sylacauga, AL, 35150
Monday-Wednesday 8:30 a.m. to 4:30 p.m. Thursday-Friday 8:30 a.m. to 6:00 p.m.
Childersburg
14 Faye S Perry drive, Childersburg, AL, 35044
m-w 7:30-4:30 t-f 7:30-6:00
Moody Branch
2825 Moody Pkwy, Moody, AL, 35004-3102
7:30am-4:30pm Monday through Wednesday7:30am-5 pm Thursday7:30am-6pm Fridays
Alex City Branch
3553 US Hwy 280, Alexander City, AL, 35010
7:30 - 4:30 Mon - Wed7:30 - 6:00 Th- Fri
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<a href="https://bankscorer.com/credit-union/heritage-south" target="_blank" rel="noopener">View HERITAGE SOUTH on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 76.7%· healthy range 60–80%
Eclectic
500 Madix Dr, Eclectic, AL, 36024
Goodwater
20984 AL Highway 9, Goodwater, AL, 35072-6620