BlastPoint's Credit Union Scorecard
HERITAGE FINANCIAL
Charter #24985 · NY
HERITAGE FINANCIAL has 1 strength but faces 8 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.0% in tier
- - Efficiency Drag: Bottom 31.7% in tier
- - Indirect Auto Dependency: Bottom 68.8% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 7.90% above tier (higher cost structure)
- - Delinquency rate 0.82% above tier average
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,517
+1.8% QoQ
|
+6.0K |
52,482
+1.3% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$808.0M
+0.8% QoQ
|
$-56.0M |
$863.9M
+0.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$667.4M
+2.3% QoQ
|
+$59.6M |
$607.8M
+2.1% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$673.7M
+1.3% QoQ
|
$-66.2M |
$739.9M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.2%
+66.6% QoQ
|
-0.6% |
0.8%
+30.4% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.7% in tier |
| NIM |
3.6%
+1.1% QoQ
|
+0.1% |
3.5%
+6.2% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
82.4%
-0.5% QoQ
|
+7.9% |
74.5%
-1.4% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
1.6%
+37.4% QoQ
|
+0.8 |
0.8%
+1.0% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.7% in tier |
| Loan To Share |
99.1%
+1.0% QoQ
|
+16.5% |
82.6%
+1.9% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 12.6% in tier |
| AMR |
$22,918
-0.0% QoQ
|
$-6K |
$28,702
+0.4% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
19.7%
+0.5% QoQ
|
-4.8% | 24.6% | 16.4% | 20.0% | 32% |
| Indirect Auto % |
22.7%
-2.6% QoQ
|
+9.1% | 13.6% | 2.7% | 7.7% | 75% |
Signature Analysis
Strengths (0)
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)