BlastPoint's Credit Union Scorecard

GREENVILLE HERITAGE

Charter #4400 · SC

1069 CUs in 100M-500M nationally 10 in SC

GREENVILLE HERITAGE has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?
SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.08% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 55.9% in tier
  • - Stagnation Risk: Bottom 78.5% in tier
  • - Credit Quality Pressure: Bottom 92.8% in tier
  • - Credit Risk Growth: Bottom 96.5% in tier
  • - Member decline: -2.3% YoY

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 11,473
-2.3% YoY-0.5% QoQ
 -4.0K 15,437
-2.9% YoY
 37,100
+2.2% YoY
 33,374
+5.7% YoY
 39%
Assets $169.8M
+0.5% YoY+0.6% QoQ
 $-62.1M $231.9M
+1.3% YoY
 $523.8M
+6.7% YoY
 $561.6M
+9.7% YoY
 39%
Loans $90.6M
+2.4% YoY+2.0% QoQ
 $-56.8M $147.3M
-0.1% YoY
 $367.9M
+7.3% YoY
 $397.0M
+8.8% YoY
 29%
Deposits $147.1M
-0.3% YoY+0.5% QoQ
 $-53.7M $200.8M
+0.8% YoY
 $439.0M
+5.8% YoY
 $477.3M
+9.7% YoY
 39%

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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 0.8%
+88.8% YoY-1.8% QoQ
 +0.1% 0.8%
+18.2% YoY
 1.0%
+5.1% YoY
 0.7%
+15.9% YoY
 57%
NIM 3.5%
+16.3% YoY+0.7% QoQ
 -0.1% 3.6%
+6.7% YoY
 4.2%
+0.5% YoY
 3.8%
+5.1% YoY
 43%
Efficiency Ratio 75.4%
-10.9% YoY+0.2% QoQ
 -1.6% 77.0%
-3.1% YoY
 76.9%
-0.6% YoY
 79.7%
-3.3% YoY
 42%
Delinquency Rate 0.3%
+8.4% YoY+53.2% QoQ
 -0.6 0.9%
+4.2% YoY
 1.0%
+13.3% YoY
 1.3%
-2.1% YoY
 19%
Loan To Share 61.6%
+2.7% YoY+1.5% QoQ
 -10.7% 72.2%
-1.1% YoY
 71.5%
-0.9% YoY
 67.4%
-1.7% YoY
 27%
AMR $20,714
+3.1% YoY+1.6% QoQ
 $-4K $24,676
+3.4% YoY
 $16,782
+2.9% YoY
 $19,687
+2.0% YoY
 38%
CD Concentration 34.8%
+1.3% YoY+1.5% QoQ
 +10.4% 24.4% 17.8% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 5.9% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Membership Headwinds

decline
#310 of 554 • Bottom 55.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.35%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk
#435 of 554 • Bottom 78.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -2.35%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): 2.41%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 0.34%
(Tier: 0.89%, National: 1.28%)
but better than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk
#654 of 705 • Bottom 92.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.03% points, National: 0.06% points)
but better than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk
#440 of 456 • Bottom 96.5% in tier

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

Why This Signature
Loan Growth (YoY): 2.41%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.03% points, National: 0.06% points)
but better than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | 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)

Comparing against 1069 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
202
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Median: -
#202 of 1069 Top 18.8% in 100M-500M tier

Top Weaknesses (4 metrics)

905
Deposit Growth Rate
growth
Value: -0.32%
Peer Median: -
#905 of 1069 Bottom 15.4% in 100M-500M tier
904
Share Certificate Concentration (%)
balance_sheet
Value: 34.80%
Peer Median: -
#904 of 1069 Bottom 15.5% in 100M-500M tier
880
Asset Growth Rate
growth
Value: 0.51%
Peer Median: -
#880 of 1069 Bottom 17.8% in 100M-500M tier
814
Member Growth Rate
growth
Value: -2.35%
Peer Median: -
#814 of 1069 Bottom 23.9% in 100M-500M tier
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