BlastPoint's Credit Union Scorecard
HERITAGE HUB
Charter #24972 · TX
<100M
2508 CUs in <100M nationally
237 in TX
HERITAGE HUB has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 8800.0% YoY
- + Asset Growth Rate: Top 0.1% in tier
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Member Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 248.49% below tier average
- - Efficiency ratio 6008.02% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 0.0% in tier
- - Total Assets: Bottom 0.2% in tier
- - Total Deposits: Bottom 0.4% in tier
- - Net Interest Margin (NIM): Bottom 0.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89
+8800.0% YoY+12.7% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 0.8% in tier |
| Assets |
$71,690
+7168900.0% YoY-56.4% QoQ
|
$-30.1M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.2% in tier |
| Loans |
$14,562
+45.6% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.1% in tier |
| Deposits |
$68,571
+20.3% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.4% in tier |
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| ROA |
-248.3%
-158878.7% QoQ
|
-248.5% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.1% in tier |
| NIM |
0.6%
+364.7% QoQ
|
-3.4% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio | 6098.7% | +6008.0% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
21.2%
+21.0% QoQ
|
-37.3% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.7% in tier |
| AMR |
$934.1
+10.2% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.9% in tier |
| CD Concentration |
60.4%
-32.5% QoQ
|
+36.2% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Asset Growth Rate
growth
Value:
7168900.00%
Peer Median: 1.30%
#1 of 2508
Top 0.1% in <100M tier
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
4
Member Growth Rate
growth
Value:
8800.00%
Peer Median: -1.37%
#4 of 2508
Top 0.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (15 metrics)
2508
Loan Growth Rate
growth
Value:
-
Peer Median: -2.36%
#2508 of 2508
Bottom 0.1% in <100M tier
2508
Deposit Growth Rate
growth
Value:
-
Peer Median: 0.66%
#2508 of 2508
Bottom 0.1% in <100M tier
2508
AMR Growth Rate
growth
Value:
-
Peer Median: 1.27%
#2508 of 2508
Bottom 0.1% in <100M tier
2507
Return on Assets (ROA)
profitability
Value:
-248.35%
Peer Median: 0.61%
#2507 of 2508
Bottom 0.1% in <100M tier
2503
Total Assets
balance_sheet
Value:
$71,690
Peer Median: $21.86M
#2503 of 2508
Bottom 0.2% in <100M tier
2499
Efficiency Ratio
profitability
Value:
6098.65%
Peer Median: 81.45%
#2499 of 2508
Bottom 0.4% in <100M tier
2498
Total Deposits
balance_sheet
Value:
$68,571
Peer Median: $18.77M
#2498 of 2508
Bottom 0.4% in <100M tier
2494
Net Interest Margin (NIM)
profitability
Value:
0.62%
Peer Median: 3.83%
#2494 of 2508
Bottom 0.6% in <100M tier
2487
Total Members
engagement
Value:
89
Peer Median: 1,918
#2487 of 2508
Bottom 0.9% in <100M tier
2485
Average Member Relationship (AMR)
engagement
Value:
$934.08
Peer Median: $13,926
#2485 of 2508
Bottom 1.0% in <100M tier