BlastPoint's Credit Union Scorecard
HERITAGE FAMILY
Charter #24742 · VT
HERITAGE FAMILY has 2 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does VT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 18.4% in tier
- + Net Interest Margin 1.01% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.1% in tier
- - Credit Quality Pressure: Bottom 22.8% in tier
- - Indirect Auto Dependency: Bottom 36.3% in tier
- - Efficiency Drag: Bottom 40.5% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 5.62% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,726
+1.3% YoY+0.7% QoQ
|
+3.2K |
51,500
+0.7% YoY
|
34,947
+27.0% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$852.9M
+5.7% YoY+2.5% QoQ
|
$-12.7M |
$865.6M
+0.9% YoY
|
$561.0M
+28.1% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$634.7M
+12.5% YoY+0.7% QoQ
|
+$39.4M |
$595.3M
+1.6% YoY
|
$444.4M
+31.6% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$718.4M
+5.6% YoY+3.2% QoQ
|
$-23.8M |
$742.2M
+0.6% YoY
|
$477.2M
+28.5% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
0.4%
-17.2% YoY-56.3% QoQ
|
-0.3% |
0.8%
+45.0% YoY
|
-0.0%
-100.2% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
4.5%
+6.4% YoY+2.0% QoQ
|
+1.0% |
3.5%
+6.1% YoY
|
4.2%
+0.1% YoY
|
3.8%
+4.1% YoY
|
Top 5.1% in tier |
| Efficiency Ratio |
81.2%
-0.7% YoY+10.2% QoQ
|
+5.6% |
75.5%
-3.4% YoY
|
97.1%
+12.1% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
0.8%
+44.3% YoY-4.4% QoQ
|
+0.1 |
0.7%
-0.1% YoY
|
1.6%
+62.8% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
88.4%
+6.5% YoY-2.4% QoQ
|
+7.7% |
80.6%
+0.7% YoY
|
82.0%
-1.5% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$24,725
+7.4% YoY+1.3% QoQ
|
$-4K |
$28,908
+0.7% YoY
|
$18,239
-7.1% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
19.8%
+1.9% YoY+2.8% QoQ
|
-4.5% | 24.3% | 21.8% | 19.8% | 35% |
| Indirect Auto % |
18.2%
+15.4% YoY+1.4% QoQ
|
+4.4% | 13.8% | 5.5% | 7.7% | 68% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)