BlastPoint's Credit Union Scorecard
HERITAGE
Charter #16626 · IN
HERITAGE has 2 strengths but faces 8 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
- + Credit Quality Leader: Top 58.5% in tier
- + ROA 0.04% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 14.5% in tier
- - Efficiency Drag: Bottom 16.1% in tier
- - Credit Quality Pressure: Bottom 26.8% in tier
- - Credit Risk Growth: Bottom 28.8% in tier
- - Efficiency ratio 6.59% above tier (higher cost structure)
- - Total Deposits: Bottom 2.0% in tier
- - Total Assets: Bottom 2.3% in tier
- - Total Loans: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,940
-0.5% YoY-0.6% QoQ
|
-33.7K |
98,678
-1.9% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$1.0B
+5.4% YoY+0.4% QoQ
|
$-698.0M |
$1.7B
+0.5% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.0% in tier |
| Loans |
$707.1M
+1.4% YoY-0.1% QoQ
|
$-525.9M |
$1.2B
+0.5% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.6% in tier |
| Deposits |
$834.3M
+4.8% YoY-0.7% QoQ
|
$-620.1M |
$1.5B
+1.3% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.6% in tier |
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| ROA |
0.7%
+25.1% YoY+1.5% QoQ
|
+0.0% |
0.7%
+13.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.3%
+6.8% YoY+2.2% QoQ
|
-0.0% |
3.3%
+9.3% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
80.6%
-3.0% YoY+0.4% QoQ
|
+6.6% |
74.0%
-10.9% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.3%
+2.6% YoY+70.4% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.1% in tier |
| Loan To Share |
84.8%
-3.3% YoY+0.6% QoQ
|
-0.4% |
85.2%
-0.8% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$23,735
+3.7% YoY+0.2% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
24.7%
-3.1% YoY-0.2% QoQ
|
-4.3% |
29.0%
+0.7% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
32% |
| Indirect Auto % |
22.9%
-13.3% YoY-2.8% QoQ
|
+4.1% |
18.8%
-3.0% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
64% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)