BlastPoint's Credit Union Scorecard
HERITAGE GROVE
Charter #16113 · OR
HERITAGE GROVE has 2 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 63.7% 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
|
20% |
| 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
|
36% |
| 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
|
36% |
| 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
|
37% |
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| 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
|
31% |
| 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
|
63% |
| 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
|
56% |
| 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
|
82% |
| 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
|
44% |
| 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
|
80% |
| 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
|
50% |
| Indirect Auto % |
42.0%
-1.2% YoY-2.1% QoQ
|
+28.0% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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 (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
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)