BlastPoint's Credit Union Scorecard
HERITAGE FAMILY
Charter #24742 · VT
HERITAGE FAMILY has 7 strengths but faces 2 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
- + Organic Growth Leader: Top 11.3% in tier
- + Organic Growth Engine: Top 16.8% in tier
- + ROA 0.28% above tier average
- + Net Interest Margin 0.98% above tier average
- + Strong member growth: 7.2% YoY
- + Member Growth Rate: Top 7.7% in tier
- + Loan Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 65.2% in tier
- - Indirect Auto Dependency: Bottom 83.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,362
+7.2% YoY+0.7% QoQ
|
+2.3K |
52,084
-1.6% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$832.1M
+7.7% YoY+2.4% QoQ
|
$-31.8M |
$863.9M
+0.5% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$630.3M
+15.3% YoY+3.8% QoQ
|
+$24.5M |
$605.8M
+1.4% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$696.0M
+10.1% YoY+1.7% QoQ
|
$-41.3M |
$737.3M
+0.1% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
1.0%
+15.5% YoY-1.4% QoQ
|
+0.3% |
0.7%
+39.1% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
4.4%
+13.0% YoY+1.5% QoQ
|
+1.0% |
3.4%
+8.7% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
Top 4.3% in tier |
| Efficiency Ratio |
73.7%
-2.5% YoY-0.7% QoQ
|
-0.7% |
74.3%
-3.6% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.8%
-5.8% YoY+40.8% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
90.6%
+4.8% YoY+2.1% QoQ
|
+8.0% |
82.6%
+1.1% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$24,398
+5.0% YoY+1.9% QoQ
|
$-4K |
$28,873
+2.7% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
19.2%
+1.6% YoY-1.8% QoQ
|
-5.2% | 24.4% | 23.0% | 19.8% | 32% |
| Indirect Auto % |
17.9%
+10.6% YoY+7.4% QoQ
|
+4.1% | 13.8% | 5.2% | 7.8% | 68% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)