BlastPoint's Credit Union Scorecard
MOUNTAIN HERITAGE
Charter #12470 · WV
MOUNTAIN HERITAGE has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.53% above tier average
- + Net Interest Margin 1.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.94% above tier average
- - Member decline: -2.5% YoY
- - Net Charge-Off Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,545
-2.5% YoY-2.7% QoQ
|
+5.9K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Top 2.9% in tier |
| Assets |
$45.8M
+2.5% YoY-0.1% QoQ
|
+$15.7M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$30.5M
-11.3% YoY-3.3% QoQ
|
+$14.8M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$38.9M
+1.8% YoY-0.3% QoQ
|
+$13.2M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
1.2%
+48.6% YoY-14.7% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
5.5%
+9.1% YoY-0.8% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 6.7% in tier |
| Efficiency Ratio |
63.5%
-13.8% YoY-6.4% QoQ
|
-19.0% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
3.5%
-4.1% YoY+41.7% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 10.5% in tier |
| Loan To Share |
78.5%
-12.9% YoY-3.0% QoQ
|
+17.9% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$8,131
-2.0% YoY+1.1% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
9.4%
+0.4% YoY-0.1% QoQ
|
-15.1% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 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)