BlastPoint's Credit Union Scorecard

THE HEART CENTER

Charter #22456 · NY

<100M

2556 CUs in <100M nationally 183 in NY

THE HEART CENTER has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.22% above tier average
+ Members Per Employee (MPE): Top 2.4% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.32% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	2,533 +0.0% YoY-1.0% QoQ	-82	2,615 -1.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	61%
Assets	$20.2M +0.5% YoY-2.1% QoQ	$-9.9M	$30.1M +2.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	48%
Loans	$10.8M -2.4% YoY-0.3% QoQ	$-5.0M	$15.8M -1.3% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	53%
Deposits	$17.1M -0.4% YoY-2.8% QoQ	$-8.6M	$25.7M +1.4% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +6.5% YoY+10.1% QoQ	+0.2%	0.6% +10.8% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	58%
NIM	3.5% +5.4% YoY+1.0% QoQ	-0.5%	4.0% +4.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	33%
Efficiency Ratio	76.8% +0.1% YoY-1.6% QoQ	-5.8%	82.6% -2.3% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	43%
Delinquency Rate	1.9% +140.8% YoY+123.7% QoQ	+0.3	1.6% -3.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	77%
Loan To Share	63.0% -2.1% YoY+2.5% QoQ	+2.4%	60.6% -3.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	53%
AMR	$10,990 -1.2% YoY-0.8% QoQ	$-4K	$14,783 -1.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	33%
CD Concentration	21.6% +6.7% YoY+0.8% QoQ	-2.8%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

Members Per Employee (MPE)

engagement

Value: 844.333

Peer Median: -

#62 of 2556 Top 2.4% in <100M tier

Top Weaknesses (1 metrics)

1966

Total Delinquency Rate (60+ days)

risk

Value: 1.88%

Peer Median: -

#1966 of 2556 Bottom 23.1% in <100M tier