BlastPoint's Credit Union Scorecard
HERITAGE
Charter #16626 · IN
HERITAGE has 2 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Total Delinquency Rate (60+ days): Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 75.0% in tier
- - Membership Headwinds: Bottom 83.7% in tier
- - Stagnation Risk: Bottom 83.7% in tier
- - Efficiency ratio 5.10% above tier (higher cost structure)
- - Total Deposits: Bottom 3.9% in tier
- - Total Assets: Bottom 6.2% in tier
- - Total Loans: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,342
-1.8% YoY-0.2% QoQ
|
-31.7K |
96,048
-2.7% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$1.1B
+2.5% YoY+2.7% QoQ
|
$-662.5M |
$1.7B
+0.4% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.9% in tier |
| Loans |
$719.9M
+2.6% YoY+0.5% QoQ
|
$-493.8M |
$1.2B
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.5% in tier |
| Deposits |
$866.9M
+1.3% YoY+3.2% QoQ
|
$-598.6M |
$1.5B
+0.5% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+53.8% YoY+8.1% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
65% |
| NIM |
3.3%
+5.9% YoY+0.5% QoQ
|
-0.1% |
3.4%
+6.2% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
79.7%
-5.3% YoY-0.5% QoQ
|
+5.1% |
74.6%
-3.0% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
0.2%
-28.6% YoY-44.9% QoQ
|
-0.6 |
0.8%
+6.9% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Top 4.9% in tier |
| Loan To Share |
83.0%
+1.3% YoY-2.6% QoQ
|
-0.1% |
83.2%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
43% |
| AMR |
$24,662
+3.7% YoY+2.2% QoQ
|
$-5K |
$29,652
+2.3% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
22.2%
-10.7% YoY-7.2% QoQ
|
-6.6% | 28.8% | 18.9% | 19.8% | 21% |
| Indirect Auto % |
21.4%
-12.7% YoY-3.8% QoQ
|
+3.4% | 18.1% | 10.4% | 7.7% | 63% |
Signature Analysis
Strengths (0)
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
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)