BlastPoint's Credit Union Scorecard
HERITAGE VALLEY
Charter #303 · PA
HERITAGE VALLEY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 7.10% above tier (higher cost structure)
- - Delinquency rate 0.33% above tier average
- - Net Worth Ratio: Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
- - Average Member Relationship (AMR): Bottom 5.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +5.0% year over year ($125M in shares and deposits).
- Membership: 13,587 members, +0.3% vs a year ago.
- Delinquency rate 1.21%.
- Return on assets 0.63%.
- Efficiency ratio 83.84% vs a 76.73% peer average.
- Loan-to-share ratio 51.86% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,587
+0.3% YoY+0.3% QoQ
|
-1.6K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$131.3M
+4.8% YoY-0.7% QoQ
|
$-100.7M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$64.8M
-0.6% YoY+1.7% QoQ
|
$-81.4M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.7% in tier |
| Deposits |
$125.0M
+5.0% YoY-0.0% QoQ
|
$-75.7M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
0.6%
+437.2% YoY+28.5% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
4.1%
+2.2% YoY+2.5% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
83.8%
-3.7% YoY-3.3% QoQ
|
+7.1% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
1.2%
-33.1% YoY-4.0% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
51.9%
-5.3% YoY+1.7% QoQ
|
-19.7% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.7% in tier |
| AMR |
$13,974
+2.7% YoY+0.3% QoQ
|
$-11K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.2% in tier |
| CD Concentration |
19.9%
+4.7% YoY-2.5% QoQ
|
-4.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
8.4%
-14.1% YoY-4.7% QoQ
|
-5.3% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
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)