BlastPoint's Credit Union Scorecard
HERITAGE FAMILY
Charter #24742 · VT
HERITAGE FAMILY has 3 strengths but faces 5 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 35.8% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.98% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.6% in tier
- - Indirect Auto Dependency: Bottom 21.1% in tier
- - Credit Risk Growth: Bottom 22.9% in tier
- - Efficiency ratio 0.91% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in Vermont.
- Shares and deposits +7.9% year over year ($736M in shares and deposits).
- Membership: 54,984 members, +2.7% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 1.00%.
- Efficiency ratio 75.45% vs a 74.54% peer average.
- Loan-to-share ratio 85.88% vs a 82.60% 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 (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,984
+2.7% YoY+0.5% QoQ
|
+2.5K |
52,482
+1.3% YoY
|
37,967
+37.2% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$869.8M
+7.6% YoY+2.0% QoQ
|
+$5.9M |
$863.9M
+0.5% YoY
|
$616.1M
+40.0% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$632.1M
+8.5% YoY-0.4% QoQ
|
+$24.3M |
$607.8M
+2.1% YoY
|
$487.9M
+41.8% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$736.1M
+7.9% YoY+2.5% QoQ
|
$-3.8M |
$739.9M
+0.2% YoY
|
$523.2M
+40.1% YoY
|
$504.8M
+10.3% YoY
|
49% |
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| ROA |
1.0%
+15.7% YoY+125.0% QoQ
|
+0.2% |
0.8%
+30.4% YoY
|
0.7%
+9.2% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
4.5%
+6.0% YoY+0.6% QoQ
|
+1.0% |
3.5%
+6.2% YoY
|
4.2%
+1.7% YoY
|
3.8%
+2.3% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
75.4%
-1.2% YoY-7.0% QoQ
|
+0.9% |
74.5%
-1.4% YoY
|
84.8%
+1.1% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.9%
+53.1% YoY+14.1% QoQ
|
+0.1 |
0.8%
+1.0% YoY
|
1.6%
+27.6% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
85.9%
+0.5% YoY-2.8% QoQ
|
+3.3% |
82.6%
+1.9% YoY
|
83.0%
-0.1% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$24,883
+5.3% YoY+0.6% QoQ
|
$-4K |
$28,702
+0.4% YoY
|
$19,847
+0.2% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
19.6%
+2.8% YoY-0.7% QoQ
|
-4.9% | 24.6% | 23.4% | 20.0% | 32% |
| Indirect Auto % |
17.7%
+10.1% YoY-2.5% QoQ
|
+4.1% | 13.6% | 5.8% | 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 (3)
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.
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)