# GREENVILLE HERITAGE
Greenville, SC · NCUA charter 4400 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greenville-heritage-4400

Who the members are: federal charter, community charter, organized 1941, low-income designated. 11,410 members of 512,000 potential (2.2% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $177.1M |
| Members | 11,410 (-2.6% YoY) |
| Full-time staff | 33 |
| Net worth | $22.3M |
| Net worth ratio | 12.6% (p62 of band) |
| ROA (annualized) | 0.65% (p47 of band) |
| Total delinquency | 0.31% (p24 of band) |
| Net charge-offs (annualized) | 0.51% (p68 of band) |
| Loans / shares | 58% (p31 of band) |
| Cash / assets | 16.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p29 of band) |
| Operating expense / assets | 3.32% (p38 of band) |
| Vehicles % of loans | 39% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.18% (p19 of band) |
| Vehicle NCO | 0.36% (p41 of band) |
| Repossessed % of vehicle book | 0.04% (p71 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 37% |
| Average share balance | $7,595 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $16,111 |
| Loans granted, annualized | $30.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 0 |  | charge-offs p90, net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | members leaving |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | members leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | net worth falling, margin squeeze |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 | delinquency rising | margin squeeze, net worth falling |
| 2020-12 | 0 |  | delinquency rising |
| 2021-03 | 2 | net worth falling, delinquency rising |  |
| 2021-06 | 0 |  | net worth falling, delinquency rising |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | net worth falling, losing money |  |
| 2024-06 | 1 |  | losing money |
| 2024-09 | 0 |  | net worth falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-25 [Upstate SC credit unions participate in Habitat Greenville build - Greenville Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxQMzZPNFV4UGIwXzliNU5sM1NiUU5BRVZNQkdoRnBWeUUzQ29rQTktRnozbV9BS3Y2TWtXWkcybV9RaWZIQnEyN2NfS1hic0VpRWpYanRkQkhVZGEtb2ZLMmZJbFFoVkQ5X09RWHNtMk04MUFoX3cyVTc5WjFqYUlYUnR4QkI2SW9uOHAwN05GdlZ0VjNFQ3lvUEMxWWZWOWw0WklkWmFFaVQxRXBWTmpsN0wzMA?oc=5) · Greenville Journal
- 2026-03-18 [Greenville Heritage Federal Credit Union Main Street Friday's coming - Greenville Online](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQaGd0N0FmeDdpWjIyV3g5bVVZM1Y2Z3NReEJFR2Y5VmJTbTR4Y09hcTUyX2xuc2JkVFhpdWpIRW8tUGt6RkxWNTFyZ09GOGJJcVRfNC1ZaTJNNUVKRVJrdDBQWEZEMkZOR0QxVnNKdW5vUmpST1BkZnJhNEVKa1A2X0xFLWRYSW5KdzdGNkJoa0lmb3JodTR2SFQ0b2VnZ3VKRHhWcmp3OGNGUTNMdTN3cGhIanVMOFluUjd3dS1ja29nci16aWlQaHRSVVFCYld2NE1FYW5B?oc=5) · Greenville Online
- 2024-01-10 [Credit union sues North Carolina firm over missing ATM funds - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNYWhDZ3RHM0c5blRsYWVuajFpMHRmUllSVU1hSF9KbFBqcjZqY1JRV0VMcjFtV2ZkODM2SGZBTzBKX0RwaXNVcEhtR1JMd3RmSkdiT1BpUkppTmNqVDVYVnpBQlNGd1dzSmlmd29SblFYMDJRX2FYMHJqUUpnVmF5SW1tRTJZcmxteEs3QkhlZWJ4YWpoak11TGY0Sjh6dHZPNWFrLVhn?oc=5) · The Business Journals
- 2026-03-17 [Greenville announces return of Main Street Fridays and Downtown Alive - WYFF](https://news.google.com/rss/articles/CBMilwFBVV95cUxPTXdMVVphUDNydlpnbWV2NE5kTlpwZ3JUTzF1SlJZSzBpOXk2bXBwb3YwaGQwX29sN194eElaWGN4YWRUN3ljY1d6QlExdTFZZlZ4SzhkRzY0NmY0TzVYcGtEQ0ZKTnNCM1VUcHdxYkVpZG04dDJGenJTbWx6SWI4WUVCSlg4OGlJNEtGMXZucGZNWXk2LW1v?oc=5) · WYFF
- 2025-03-11 [Downtown Alive, Main Street Fridays return to Greenville beginning March 13 - Greenville Journal](https://news.google.com/rss/articles/CBMiugFBVV95cUxNcGtJTGxmWjNxZVc2QW9sMENjR1BTODNFcE5fTm5MQzlPZjdkS2VrRlI5RVdZUTJWWlZzd0xBMk1jdG5BSVVhbkVVcGxuS2lENUNad3g2d2MtT0M2VC02c3piWmRMNUZ2dGtwa19oVUtUaGJlSmFkc0gtaWdwV0lWbExGZldobUUzYUtBZUhFenVpdzVLNU1zcGpOT1A3aHBFZ1Z5ZWtzd3JrbHZ4ZGcwbnpnUmtDc0NoLUE?oc=5) · Greenville Journal
- 2025-04-18 [Weekly events: Bunnies and baseball and stories galore - Greenville Online](https://news.google.com/rss/articles/CBMixgFBVV95cUxQY3BmRVg3MEZMY0NmekhKbm1UbWhpbzFTTVJ6dW1sREtpeWZ4ZTRiaGNpaHB2M3JsQTVPRGQyWlZwcGJaUS1xWmlmWnlfcTd5clZMZDcxSU1xX2tfV0liR21PM2d6bjV3enlEOEFOOFY2bllpYUViSktJZXRNbXNnQXhtMDY3WDNaSjkyNEZYUFRfOWRScUpsUllKQU1YTm16N0RlQ0F0MEZZcVFUMDJrQTlXcGdjRE5OOERGRldPaFIxd2phU3c?oc=5) · Greenville Online
- 2026-03-17 [Greenville’s Downtown Alive, Main Street Fridays music lineups announced - Greenville Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxQV3VYWGtFSHBhQzhSWjdwWTdLWDlNcERuOF8xaWtQWXRKeXJOS0NSQWtBNHV0dk5YbGNwWnQxVF9qblNfTUI3aWQ5NmpEYmpmX21PNUg0MU1SSExhOUQzREJ4YmRZVFo1Sjk1M0J6eXdVaEdQZGU3bHFKMnhXM3BnVnpUZkRCTlRJSlEwRDVSR3MwNUVDSVhDb1FLOURueE1JYUVvSTZOOU5kVXV3OGJvUTlVd3Q?oc=5) · Greenville Journal
- 2016-05-06 [Paul Candler Obituary (1950 - 2016) - Greenville, SC - The Greenville News - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN0plTEZHNzJpbDJRTllPeThCQ1VhallQRmZIc1VJTlJrcnplVUpMRHk0MzNuM21nOGxUelpjNUp4OTFwY01RZmRfZk9FdVdHT3RjeTdkVzBJbmQ3bVhhajRqV1Zmb1p1VUxmRlZ2d0ZWT0lscjBKQmpLZjNVUHlZQUxhWVNwUURTMXFWWllTajlWQzNWZXEw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4400 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/48.json (key "4400", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=4400
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide