BlastPoint's Credit Union Scorecard
HERITAGE FINANCIAL
Charter #24985 · NY
HERITAGE FINANCIAL has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Loan-to-Share Ratio: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.1% in tier
- - Efficiency Drag: Bottom 34.2% in tier
- - Indirect Auto Dependency: Bottom 65.2% in tier
- - ROA 0.62% below tier average
- - Efficiency ratio 7.28% above tier (higher cost structure)
- - Delinquency rate 0.50% above tier average
- - Member Growth Rate: Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 0.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members | 57,460 | +6.0K |
51,500
+0.7% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets | $801.8M | $-63.8M |
$865.6M
+0.9% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans | $652.4M | +$57.1M |
$595.3M
+1.6% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits | $664.9M | $-77.3M |
$742.2M
+0.6% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.0% in tier |
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| ROA | 0.1% | -0.6% |
0.8%
+45.0% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.7% in tier |
| NIM | 3.5% | +0.1% |
3.5%
+6.1% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio | 82.8% | +7.3% |
75.5%
-3.4% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
77% |
| Delinquency Rate | 1.2% | +0.5 |
0.7%
-0.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
85% |
| Loan To Share | 98.1% | +17.5% |
80.6%
+0.7% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 7.7% in tier |
| AMR | $22,925 | $-6K |
$28,908
+0.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration | 19.6% | -4.7% | 24.3% | 16.4% | 19.8% | 34% |
| Indirect Auto % | 23.3% | +9.5% | 13.8% | 2.6% | 7.7% | 76% |
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)