HERITAGE HUB

Charter #24972 | TX

<100M (2596 CUs) Micro ($0-$500M)

245 <100M in TX

HERITAGE HUB has 2 strengths but faces 21 concerns

Areas where this CU excels compared to peers

Areas that may need attention

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	75 +21.0% QoQ	-2.6K	2,625 -2.2% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	Bottom 0.7% in tier
Assets	$86,376 +325.3% QoQ	$-29.8M	$29.9M +1.1% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	Bottom 0.3% in tier
Loans	$0.0	$-15.8M	$15.8M -2.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	Bottom 0.0% in tier
Deposits	$365.0 +17.7% QoQ	$-25.5M	$25.5M +0.4% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	Bottom 0.2% in tier
ROA	-23.3% -95.0% QoQ	-24.0%	0.7% -731.4% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	Bottom 0.2% in tier
NIM	-0.0%	-4.0%	3.9% +3.8% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	Bottom 0.0% in tier
Efficiency Ratio	-	-	81.4% -2.4% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	-
Delinquency Rate	-	-	1.5% -2.0% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	-
Loan To Share	0.0%	-61.2%	61.2% -3.0% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	Bottom 0.0% in tier
AMR	$4.9 -2.7% QoQ	$-15K	$14,627 -2.7% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	Bottom 0.2% in tier
CD Concentration	0.0%	-24.4%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50th in tier
Indirect Auto %	-	-	14.0% -5.8% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	-

No strengths identified

No concerns identified

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)

Compare against:

Comparing against 2596 peers in tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: 15.37%

#1 of 2596 Top 0.0% in <100M tier

Net Worth Ratio

risk

Value: 86.56%

Peer Avg: 16.43%

#6 of 2596 Top 0.2% in <100M tier

2596

Efficiency Ratio

profitability

Value: -

Peer Avg: 81.39%