BlastPoint's Credit Union Scorecard

GRAND HERITAGE

Charter #10666 · IN

<100M

2508 CUs in <100M nationally 80 in IN

GRAND HERITAGE faces 4 concerns requiring attention

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency ratio 2.60% above tier (higher cost structure)
- Member decline: -5.8% YoY
- Indirect Auto Concentration (%): Bottom 1.2% in tier
- Loan Growth Rate: Bottom 5.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	2,013 -5.8% YoY-1.4% QoQ	-663	2,676 +1.6% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	52%
Assets	$21.8M +2.2% YoY+6.9% QoQ	$-8.4M	$30.2M +1.3% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	50%
Loans	$9.3M -22.6% YoY-2.7% QoQ	$-6.0M	$15.3M -2.0% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	50%
Deposits	$19.9M +2.4% YoY+3.9% QoQ	$-5.9M	$25.8M +0.7% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	52%

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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	0.2% -25.5% YoY-57.8% QoQ	+0.0%	0.1% -77.6% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	28%
NIM	3.2% -5.4% YoY-13.5% QoQ	-0.8%	4.0% +4.0% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	93.2% +3.9% YoY+5.1% QoQ	+2.6%	90.6% +6.5% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	75%
Delinquency Rate	0.2% +47.0% YoY	-1.3	1.5% +3.8% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	31%
Loan To Share	46.9% -24.4% YoY-6.4% QoQ	-11.6%	58.5% -3.0% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	32%
AMR	$14,518 -1.4% YoY+3.1% QoQ	$-366	$14,884 -1.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	53%
CD Concentration	3.9% -9.8% YoY+6.7% QoQ	-20.4%	24.3%	18.9%	19.8%	50%
Indirect Auto %	53.0% -12.1% YoY-4.4% QoQ	+39.2%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2478

Indirect Auto Concentration (%)

balance_sheet

Value: 52.97%

Peer Median: 0.00%

#2478 of 2508 Bottom 1.2% in <100M tier

2384

Loan Growth Rate

growth

Value: -22.55%

Peer Median: -2.36%

#2384 of 2508 Bottom 5.0% in <100M tier

2208

Net Worth Ratio

risk

Value: 9.24%

Peer Median: 14.28%

#2208 of 2508 Bottom 12.0% in <100M tier

2156

Member Growth Rate

growth

Value: -5.85%

Peer Median: -1.37%

#2156 of 2508 Bottom 14.1% in <100M tier

1922

Net Interest Margin (NIM)

profitability

Value: 3.17%

Peer Median: 3.83%

#1922 of 2508 Bottom 23.4% in <100M tier