BlastPoint's Credit Union Scorecard
HERITAGE
Charter #16626 · IN
HERITAGE has 1 strength but faces 8 concerns
How does the industry compare?
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How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 25.8% in tier
- - Credit Risk Growth: Bottom 75.8% in tier
- - Indirect Auto Dependency: Bottom 80.6% in tier
- - Membership Headwinds: Bottom 85.2% in tier
- - Stagnation Risk: Bottom 85.2% in tier
- - Efficiency ratio 5.19% above tier (higher cost structure)
- - Total Deposits: Bottom 4.0% in tier
- - Total Assets: Bottom 4.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Indiana.
- Shares and deposits +1.9% year over year ($856M in shares and deposits).
- Membership: 64,087 members, -1.9% vs a year ago.
- Delinquency rate 0.33%.
- Return on assets 0.92%.
- Efficiency ratio 78.21% vs a 73.02% peer average.
- Loan-to-share ratio 83.95% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,087
-1.9% YoY-0.4% QoQ
|
-32.8K |
96,861
-1.9% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$1.0B
+1.5% YoY-2.4% QoQ
|
$-692.2M |
$1.7B
+0.4% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.3% in tier |
| Loans |
$718.6M
+1.5% YoY-0.2% QoQ
|
$-515.7M |
$1.2B
+0.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.7% in tier |
| Deposits |
$855.9M
+1.9% YoY-1.3% QoQ
|
$-607.4M |
$1.5B
+0.5% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.7% in tier |
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| ROA |
0.9%
+24.5% YoY+10.5% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
3.4%
+6.6% YoY+3.1% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
78.2%
-2.6% YoY-1.9% QoQ
|
+5.2% |
73.0%
-2.7% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.3%
+80.7% YoY+121.7% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Top 14.0% in tier |
| Loan To Share |
84.0%
-0.4% YoY+1.1% QoQ
|
-0.8% |
84.7%
+0.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$24,568
+3.8% YoY-0.4% QoQ
|
$-5K |
$29,575
+1.5% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
21.8%
-12.0% YoY-2.0% QoQ
|
-7.3% | 29.1% | 19.4% | 20.0% | 20% |
| Indirect Auto % |
20.7%
-11.9% YoY-3.2% QoQ
|
+2.7% | 18.1% | 11.1% | 7.7% | 63% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)