HERITAGE FAMILY

Charter #24742 | VT

750M-1B (112 CUs) Community (281 CUs)
1 750M-1B in VT

HERITAGE FAMILY has 8 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 4.2% in tier
  • + Organic Growth Engine: Top 6.3% in tier
  • + Relationship Depth Leader: Top 17.4% in tier
  • + Wallet Share Momentum: Top 23.8% in tier
  • + ROA 0.33% above tier average
  • + Net Interest Margin 0.94% above tier average
  • + Strong member growth: 6.4% YoY
  • + Member Growth Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 30.3% in tier
  • - Liquidity Overhang: Bottom 34.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Members 53,979
+6.4% YoY+0.9% QoQ
 +1.9K 52,114
-2.1% YoY
 29,911
+10.3% YoY
 33,089
+6.1% YoY
 55th in tier
Assets $812.3M
+5.0% YoY+0.5% QoQ
 $-46.7M $859.0M
+0.0% YoY
 $474.3M
+11.3% YoY
 $547.7M
+7.8% YoY
 29th in tier
Loans $607.3M
+11.6% YoY+4.2% QoQ
 +$4.0M $603.4M
+1.0% YoY
 $376.7M
+12.8% YoY
 $388.7M
+8.6% YoY
 46th in tier
Deposits $684.5M
+8.6% YoY+0.3% QoQ
 $-49.6M $734.2M
+0.9% YoY
 $399.6M
+12.0% YoY
 $464.6M
+9.3% YoY
 Bottom 24.1% in tier
ROA 1.0%
+16.9% YoY+19.2% QoQ
 +0.3% 0.7%
+27.6% YoY
 0.8%
+14.5% YoY
 0.7%
+273.4% YoY
 72nd in tier
NIM 4.3%
+11.1% YoY+1.8% QoQ
 +0.9% 3.4%
+9.6% YoY
 4.2%
+0.1% YoY
 3.7%
+5.0% YoY
 Top 6.2% in tier
Efficiency Ratio 74.2%
-1.7% YoY-2.9% QoQ
 -0.3% 74.5%
-3.2% YoY
 78.8%
-0.4% YoY
 79.1%
-3.3% YoY
 39th in tier
Delinquency Rate 0.6%
-18.3% YoY-0.3% QoQ
 -0.3 0.8%
+5.0% YoY
 1.4%
+18.2% YoY
 1.2%
-0.9% YoY
 37th in tier
Loan To Share 88.7%
+2.7% YoY+3.9% QoQ
 +6.1% 82.7%
+0.1% YoY
 82.0%
-5.1% YoY
 68.0%
-1.7% YoY
 60th in tier
AMR $23,933
+3.4% YoY+1.3% QoQ
 $-5K $28,651
+2.5% YoY
 $19,091
-0.7% YoY
 $19,418
+1.3% YoY
 41st in tier
CD Concentration 19.6%
-0.4% YoY+2.6% QoQ
 -4.8% 24.4%
+4.2% YoY
 22.7%
-1.9% YoY
 19.6%
+6.2% YoY
 33rd in tier
Indirect Auto % 16.7%
+2.9% YoY+3.7% QoQ
 +2.7% 14.0%
-5.8% YoY
 4.9%
-7.0% YoY
 7.9%
-2.9% YoY
 65th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#56 of 430 • Top 4.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 6.38%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#117 of 603 • Top 6.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.38%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.04%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 16.68%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth
#480 of 1006 • Top 17.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.38%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#656 of 1006 • Top 23.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.38%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#488 of 525 • Bottom 30.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.03%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 16.68%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.38%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#541 of 552 • Bottom 34.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.17%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.72%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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)

Comparing against 112 peers in tier

Top Strengths (5 metrics)

7
Net Interest Margin (NIM)
profitability
Value: 4.31%
Peer Avg: 3.38%
#7 of 112 Top 5.4% in 750M-1B tier
10
Member Growth Rate
growth
Value: 6.38%
Peer Avg: 1.14%
#10 of 112 Top 8.0% in 750M-1B tier
19
Share Certificate Concentration (%)
balance_sheet
Value: 19.59%
Peer Avg: 28.34%
#19 of 112 Top 16.1% in 750M-1B tier
20
Loan Growth Rate
growth
Value: 11.56%
Peer Avg: 4.84%
#20 of 112 Top 17.0% in 750M-1B tier
21
Deposit Growth Rate
growth
Value: 8.62%
Peer Avg: 5.03%
#21 of 112 Top 17.9% in 750M-1B tier

Top Weaknesses (2 metrics)

89
Members Per Employee (MPE)
engagement
Value: 276.815
Peer Avg: 361.634
#89 of 112 Bottom 21.4% in 750M-1B tier
85
Total Deposits
balance_sheet
Value: $684.54M
Peer Avg: $734.17M
#85 of 112 Bottom 25.0% in 750M-1B tier