HERITAGE GROVE

Charter #16113 | OR

100M-500M (1077 CUs) Micro
18 100M-500M in OR

HERITAGE GROVE has 4 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 11.5% in tier
  • + Wallet Share Momentum: Top 23.2% in tier
  • + Emerging Performer: Top 29.8% in tier
  • + Net Interest Margin 0.23% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.4% in tier
  • - Stagnation Risk: Bottom 10.3% in tier
  • - Membership Headwinds: Bottom 13.2% in tier
  • - Credit Quality Pressure: Bottom 15.1% in tier
  • - Institutional Decline: Bottom 24.8% in tier
  • - ROA 0.31% below tier average
  • - Efficiency ratio 1.56% above tier (higher cost structure)
  • - Delinquency rate 0.48% above tier average
  • - Member decline: -3.2% YoY
  • - Indirect Auto Concentration (%): Bottom 7.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 8,531
-3.2% YoY-1.3% QoQ
 -7.1K 15,628
-3.4% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 Bottom 19.7% in tier
Assets $162.6M
+6.0% YoY+0.6% QoQ
 $-68.7M $231.3M
-0.0% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 36th in tier
Loans $102.7M
-1.7% YoY+0.8% QoQ
 $-45.1M $147.8M
-1.4% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 36th in tier
Deposits $143.1M
+1.6% YoY+0.6% QoQ
 $-57.2M $200.3M
-0.0% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 37th in tier
ROA 0.5%
-48.4% YoY+11.3% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 31st in tier
NIM 3.8%
-9.1% YoY+0.5% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 63rd in tier
Efficiency Ratio 78.8%
+12.9% YoY-0.5% QoQ
 +1.6% 77.3%
-3.0% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 56th in tier
Delinquency Rate 1.3%
+16.2% YoY+15.3% QoQ
 +0.5 0.9%
+7.6% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 Top 18.0% in tier
Loan To Share 71.7%
-3.2% YoY+0.3% QoQ
 -1.0% 72.7%
-1.5% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 44th in tier
AMR $28,804
+3.5% YoY+2.0% QoQ
 +$4K $24,363
+2.9% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 Top 20.4% in tier
CD Concentration 26.3%
+10.1% YoY+3.3% QoQ
 +1.9% 24.4%
+4.2% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 42.0%
-1.2% YoY-2.1% QoQ
 +28.0% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#319 of 1006 • Top 11.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.49%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.8K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#641 of 1006 • Top 23.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.49%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#560 of 627 • Top 29.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.48%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -3.18%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk
#23 of 525 • Bottom 1.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.03%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 41.99%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -3.18%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#171 of 550 • Bottom 10.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.48%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.18%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.8K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 26.31%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#218 of 550 • Bottom 13.2% in tier

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

Why This Signature
Member Growth (YoY): -3.18%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#375 of 736 • Bottom 15.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.19% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Institutional Decline

decline
#196 of 256 • Bottom 24.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $162.64M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -3.18%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -1.67%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (2 metrics)

220
Average Member Relationship (AMR)
engagement
Value: $28,804
Peer Avg: $24,363
#220 of 1077 Top 20.3% in 100M-500M tier
254
Loan-to-Member Ratio (LMR)
engagement
Value: $12,033
Peer Avg: $10,245
#254 of 1077 Top 23.5% in 100M-500M tier

Top Weaknesses (5 metrics)

997
Indirect Auto Concentration (%)
balance_sheet
Value: 41.99%
Peer Avg: 13.34%
#997 of 1077 Bottom 7.5% in 100M-500M tier
917
Net Charge-Off Rate
risk
Value: 0.81%
Peer Avg: 0.47%
#917 of 1077 Bottom 14.9% in 100M-500M tier
889
Member Growth Rate
growth
Value: -3.18%
Peer Avg: 0.72%
#889 of 1077 Bottom 17.5% in 100M-500M tier
884
Total Delinquency Rate (60+ days)
risk
Value: 1.34%
Peer Avg: 0.86%
#884 of 1077 Bottom 18.0% in 100M-500M tier
865
Total Members
engagement
Value: 8,531
Peer Avg: 15,628
#865 of 1077 Bottom 19.8% in 100M-500M tier