BlastPoint's Credit Union Scorecard
HERITAGE
Charter #16626 · IN
HERITAGE has 3 strengths but faces 6 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 0.08% above tier average
- + Net Interest Margin 0.01% above tier average
- + Total Delinquency Rate (60+ days): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 36.0% in tier
- - Indirect Auto Dependency: Bottom 66.7% in tier
- - Efficiency ratio 6.07% above tier (higher cost structure)
- - Total Deposits: Bottom 1.0% in tier
- - Total Assets: Bottom 1.7% in tier
- - Total Loans: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,497
-0.5% YoY-0.7% QoQ
|
-32.9K |
97,431
-2.4% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$1.0B
+4.6% YoY+0.8% QoQ
|
$-694.0M |
$1.7B
+0.9% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.3% in tier |
| Loans |
$716.3M
+1.6% YoY+1.3% QoQ
|
$-518.1M |
$1.2B
+0.5% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.9% in tier |
| Deposits |
$840.2M
+2.9% YoY+0.7% QoQ
|
$-619.1M |
$1.5B
+0.9% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.7% in tier |
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| ROA |
0.8%
+3.7% YoY+2.7% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
3.3%
+7.7% YoY+0.6% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
80.1%
+1.0% YoY-0.5% QoQ
|
+6.1% |
74.1%
-9.5% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.3%
-9.4% YoY-13.2% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.6% in tier |
| Loan To Share |
85.3%
-1.3% YoY+0.6% QoQ
|
+0.5% |
84.8%
-0.8% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$24,133
+2.8% YoY+1.7% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
23.9%
-7.3% YoY-3.1% QoQ
|
-5.1% | 29.0% | 19.3% | 19.8% | 28% |
| Indirect Auto % |
22.3%
-11.6% YoY-2.7% QoQ
|
+4.0% | 18.3% | 10.7% | 7.8% | 64% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)