BlastPoint's Credit Union Scorecard
GRAND HERITAGE
Charter #10666 · IN
GRAND HERITAGE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Fee Income Per Member: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 6.18% above tier (higher cost structure)
- - Member decline: -5.8% YoY
- - Indirect Auto Concentration (%): Bottom 1.3% in tier
- - Loan Growth Rate: Bottom 3.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,041
-5.8% YoY-1.8% QoQ
|
-574 |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$20.4M
-5.2% YoY-2.9% QoQ
|
$-9.7M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$9.6M
-26.0% YoY-6.2% QoQ
|
$-6.2M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$19.1M
-2.5% YoY+0.2% QoQ
|
$-6.5M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.4%
+53.3% YoY+15.5% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.7%
+7.4% YoY+2.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
88.7%
-1.7% YoY+0.3% QoQ
|
+6.2% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
50.1%
-24.1% YoY-6.4% QoQ
|
-10.5% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$14,079
-6.4% YoY-0.3% QoQ
|
$-703 |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
3.6%
+2.4% YoY-16.6% QoQ
|
-20.8% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
55.4%
-10.0% YoY-2.0% QoQ
|
+41.6% | 13.8% | 10.7% | 7.8% | 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)