BlastPoint's Credit Union Scorecard

HERITAGE HUB

Charter #24972 · TX

2556 CUs in <100M nationally 243 in TX

HERITAGE HUB has 6 strengths but faces 17 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Efficiency Ratio: Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 0.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 0.9% in tier
+ Net Charge-Off Rate: Top 8.1% in tier

Key Concerns

Areas that may need attention

- ROA 0.46% below tier average
- Member Growth Rate: Bottom 0.0% in tier
- Asset Growth Rate: Bottom 0.0% in tier
- Loan Growth Rate: Bottom 0.0% in tier
- Deposit Growth Rate: Bottom 0.0% in tier
- AMR Growth Rate: Bottom 0.0% in tier
- Members Per Employee (MPE): Bottom 0.0% in tier
- Share Certificate Concentration (%): Bottom 0.2% in tier
- Net Interest Margin (NIM): Bottom 0.3% in tier
- Total Deposits: Bottom 0.4% in tier
- Total Members: Bottom 0.8% in tier
- Total Assets: Bottom 0.8% in tier
- Average Member Relationship (AMR): Bottom 0.8% in tier
- Total Loans: Bottom 1.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.4% in tier
- Loan-to-Share Ratio: Bottom 3.8% in tier
- Fee Income Per Member: Bottom 5.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	79 +5.3% QoQ	-2.5K	2,615 -1.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Bottom 0.7% in tier
Assets	$164,246 +90.2% QoQ	$-30.0M	$30.1M +2.1% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	Bottom 0.8% in tier
Loans	$10,000	$-15.8M	$15.8M -1.3% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	Bottom 1.0% in tier
Deposits	$56,979 +15510.7% QoQ	$-25.6M	$25.7M +1.4% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	Bottom 0.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -100.7% QoQ	-0.5%	0.6% +10.8% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	23%
NIM	0.1% -633.2% QoQ	-3.8%	4.0% +4.0% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	Bottom 0.2% in tier
Efficiency Ratio	0.0%	-82.6%	82.6% -2.3% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Bottom 0.0% in tier
Delinquency Rate	0.0%	-1.6	1.6% -3.1% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	Bottom 0.0% in tier
Loan To Share	17.6%	-43.1%	60.6% -3.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	Bottom 3.7% in tier
AMR	$847.8 +17321.3% QoQ	$-14K	$14,783 -1.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	Bottom 0.8% in tier
CD Concentration	89.5%	+65.1%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

Net Worth Ratio

risk

Value: 49.54%

Peer Median: -

#25 of 2556 Top 0.9% in <100M tier

208

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: -

#208 of 2556 Top 8.1% in <100M tier

Top Weaknesses (17 metrics)

2556

Member Growth Rate

growth

Value: -

Peer Median: -