BlastPoint's Credit Union Scorecard
HERITAGE HUB
Charter #24972 · TX
HERITAGE HUB has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 156.91% above tier average
- + Strong member growth: 124.2% YoY
- + Asset Growth Rate: Top 0.1% in tier
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + AMR Growth Rate: Top 0.1% in tier
- + Member Growth Rate: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2999.21% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 0.1% in tier
- - Net Worth Ratio: Bottom 0.1% in tier
- - Share Certificate Concentration (%): Bottom 0.2% in tier
- - Net Interest Margin (NIM): Bottom 0.2% in tier
- - Total Assets: Bottom 0.6% in tier
- - Total Deposits: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 2.2% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +55280.3% year over year ($172K in shares and deposits).
- Membership: 139 members, +124.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 158.41%.
- Efficiency ratio 3087.98% vs a 88.77% peer average.
- Loan-to-share ratio 51.24% vs a 58.89% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
139
+124.2% YoY+56.2% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 2.5% in tier |
| Assets |
$149,232
+634.8% YoY+108.2% QoQ
|
$-30.1M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.5% in tier |
| Loans |
$87,972
+504.1% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.5% in tier |
| Deposits |
$171,679
+55280.3% YoY+150.4% QoQ
|
$-25.6M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.2% in tier |
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| ROA |
158.4%
-133.9% YoY-163.8% QoQ
|
+156.9% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 0.1% in tier |
| NIM |
0.6%
-4.7% QoQ
|
-3.3% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.2% in tier |
| Efficiency Ratio |
3088.0%
-53.3% YoY-49.4% QoQ
|
+2999.2% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
51.2%
+141.3% QoQ
|
-7.6% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$1,868
+37259.9% YoY+100.0% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.2% in tier |
| CD Concentration |
83.0%
+37.4% QoQ
|
+58.5% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)