BlastPoint's Credit Union Scorecard
GRAND HERITAGE
Charter #10666 · IN
GRAND HERITAGE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 7.11% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Indirect Auto Concentration (%): Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,078
-4.2% YoY-1.9% QoQ
|
-547 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$21.0M
-4.1% YoY+2.3% QoQ
|
$-8.8M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$10.2M
-28.0% YoY-10.9% QoQ
|
$-5.5M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$19.1M
-4.3% YoY+2.5% QoQ
|
$-6.3M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
0.4%
+47.5% YoY+4.0% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
3.6%
+7.0% YoY+1.5% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
88.5%
-1.2% YoY-1.5% QoQ
|
+7.1% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.2%
-24.5% YoY+2862.1% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
53.5%
-24.7% YoY-13.1% QoQ
|
-7.8% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$14,119
-10.4% YoY-0.7% QoQ
|
$-508 |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
4.4%
+52.7% YoY-1.9% QoQ
|
-20.1% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
56.6%
-10.3% YoY-2.8% QoQ
|
+42.6% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)