BlastPoint's Credit Union Scorecard

GEORGIA HERITAGE

Charter #3800 · GA

1069 CUs in 100M-500M nationally 20 in GA

GEORGIA HERITAGE has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 41.0% in tier
+ Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.2% in tier
- Indirect Auto Dependency: Bottom 8.5% in tier
- Credit Risk Growth: Bottom 21.3% in tier
- Credit Quality Pressure: Bottom 38.5% in tier
- ROA 0.39% below tier average
- Efficiency ratio 12.53% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 6.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	15,164 +0.3% YoY-0.4% QoQ	-273	15,437 -2.9% YoY	30,943 +6.6% YoY	33,374 +5.7% YoY	58%
Assets	$160.7M +7.4% YoY+3.3% QoQ	$-71.2M	$231.9M +1.3% YoY	$501.1M +9.5% YoY	$561.6M +9.7% YoY	35%
Loans	$104.1M +9.4% YoY-3.1% QoQ	$-43.2M	$147.3M -0.1% YoY	$341.6M +10.9% YoY	$397.0M +8.8% YoY	37%
Deposits	$142.1M +8.4% YoY+4.5% QoQ	$-58.7M	$200.8M +0.8% YoY	$429.0M +7.8% YoY	$477.3M +9.7% YoY	36%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -19.4% YoY-6.9% QoQ	-0.4%	0.8% +18.2% YoY	0.9% +34.6% YoY	0.7% +15.9% YoY	23%
NIM	3.8% -3.5% YoY-3.0% QoQ	+0.1%	3.6% +6.7% YoY	4.1% +4.4% YoY	3.8% +5.1% YoY	58%
Efficiency Ratio	89.5% +12.0% YoY+1.4% QoQ	+12.5%	77.0% -3.1% YoY	77.1% -0.1% YoY	79.7% -3.3% YoY	Top 11.0% in tier
Delinquency Rate	0.6% +95.9% YoY+5.5% QoQ	-0.3	0.9% +4.2% YoY	1.2% -6.4% YoY	1.3% -2.1% YoY	38%
Loan To Share	73.3% +1.0% YoY-7.3% QoQ	+1.0%	72.2% -1.1% YoY	72.9% +1.7% YoY	67.4% -1.7% YoY	49%
AMR	$16,237 +8.5% YoY+1.6% QoQ	$-8K	$24,676 +3.4% YoY	$17,497 +5.6% YoY	$19,687 +2.0% YoY	Bottom 13.8% in tier
CD Concentration	23.8% +12.4% YoY-2.7% QoQ	-0.7%	24.4%	20.5%	19.8%	50%
Indirect Auto %	43.0% -21.7% YoY-5.1% QoQ	+29.2%	13.8%	4.4%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#211 of 513 • Top 41.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.53%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#13 of 538 • Bottom 2.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.55%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.09% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.26%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#44 of 506 • Bottom 8.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.38%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 42.96%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.26%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Credit Risk Growth

risk

#98 of 456 • Bottom 21.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.43%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.28% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#272 of 705 • Bottom 38.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

169

AMR Growth Rate

growth

Value: 8.53%

Peer Median: -

#169 of 1069 Top 15.7% in 100M-500M tier

192

Loan Growth Rate

growth

Value: 9.43%

Peer Median: -

#192 of 1069 Top 17.9% in 100M-500M tier

199

Deposit Growth Rate

growth

Value: 8.36%

Peer Median: -

#199 of 1069 Top 18.5% in 100M-500M tier

215

First Mortgage Concentration (%)

balance_sheet

Value: 14.90%

Peer Median: -

#215 of 1069 Top 20.0% in 100M-500M tier

Top Weaknesses (5 metrics)

1000

Indirect Auto Concentration (%)

balance_sheet

Value: 42.96%

Peer Median: -

#1000 of 1069 Bottom 6.5% in 100M-500M tier

952

Efficiency Ratio

profitability

Value: 89.55%

Peer Median: -

#952 of 1069 Bottom 11.0% in 100M-500M tier

922

Average Member Relationship (AMR)

engagement

Value: $16,237

Peer Median: -

#922 of 1069 Bottom 13.8% in 100M-500M tier

843

Loan-to-Member Ratio (LMR)

engagement

Value: $6,866

Peer Median: -

#843 of 1069 Bottom 21.2% in 100M-500M tier

825

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Median: -

#825 of 1069 Bottom 22.9% in 100M-500M tier