BlastPoint's Credit Union Scorecard
HERITAGE VALLEY
Charter #303 · PA
HERITAGE VALLEY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 72.8% in tier
- + Net Interest Margin 0.40% above tier average
- + Members Per Employee (MPE): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 78.8% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 3.88% above tier (higher cost structure)
- - Delinquency rate 0.72% above tier average
- - Net Worth Ratio: Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.1% in tier
- - Average Member Relationship (AMR): Bottom 5.6% in tier
- - Net Charge-Off Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,630
+0.3% YoY+0.5% QoQ
|
-1.8K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$128.9M
+10.5% YoY+1.2% QoQ
|
$-102.9M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$65.6M
+1.8% YoY-0.7% QoQ
|
$-81.8M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.1% in tier |
| Deposits |
$121.6M
+9.7% YoY+1.1% QoQ
|
$-79.2M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.5%
-844.0% YoY-22.5% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
4.0%
+5.1% YoY-0.3% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
80.9%
-13.0% YoY+1.4% QoQ
|
+3.9% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.6%
-21.6% YoY-6.5% QoQ
|
+0.7 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 11.7% in tier |
| Loan To Share |
53.9%
-7.1% YoY-1.8% QoQ
|
-18.3% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.9% in tier |
| AMR |
$13,735
+6.5% YoY-0.0% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.5% in tier |
| CD Concentration |
21.1%
+26.5% YoY-0.0% QoQ
|
-3.3% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
9.1%
-2.8% YoY-2.7% QoQ
|
-4.6% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)