BlastPoint's Credit Union Scorecard
HERITAGE GROVE
Charter #16113 · OR
HERITAGE GROVE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 1.94% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,422
-3.5% YoY-1.3% QoQ
|
-7.0K |
15,437
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$164.0M
+6.9% YoY+0.8% QoQ
|
$-67.9M |
$231.9M
+1.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$102.5M
-2.4% YoY-0.2% QoQ
|
$-44.9M |
$147.3M
-0.1% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$144.1M
+2.7% YoY+0.7% QoQ
|
$-56.7M |
$200.8M
+0.8% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
0.5%
-48.6% YoY+5.3% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
3.8%
-9.7% YoY-0.7% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
79.0%
+11.9% YoY+0.2% QoQ
|
+1.9% |
77.0%
-3.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.4%
+14.3% YoY+4.4% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
71.1%
-5.0% YoY-0.9% QoQ
|
-1.1% |
72.2%
-1.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$29,280
+4.2% YoY+1.7% QoQ
|
+$5K |
$24,676
+3.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
25.6%
+4.0% YoY-2.7% QoQ
|
+1.2% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % |
42.8%
-3.5% YoY+2.0% QoQ
|
+29.0% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (6)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)