BlastPoint's Credit Union Scorecard
HERITAGE VALLEY
Charter #303 · PA
HERITAGE VALLEY has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 74.8% in tier
- + Net Interest Margin 0.43% above tier average
- + Members Per Employee (MPE): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.5% in tier
- - Credit Risk Growth: Bottom 24.0% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 2.50% above tier (higher cost structure)
- - Delinquency rate 0.87% above tier average
- - Net Worth Ratio: Bottom 2.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.2% in tier
- - Average Member Relationship (AMR): Bottom 5.6% in tier
- - Net Charge-Off Rate: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,559
-0.2% YoY+0.1% QoQ
|
-2.1K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$127.4M
+8.9% YoY+1.7% QoQ
|
$-103.9M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$66.0M
+1.5% YoY+1.2% QoQ
|
$-81.8M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.8% in tier |
| Deposits |
$120.3M
+8.5% YoY+1.0% QoQ
|
$-80.0M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
0.6%
-1120.0% YoY+450.0% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
4.0%
+8.7% YoY-0.2% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
79.8%
-15.7% YoY-8.4% QoQ
|
+2.5% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
1.7%
+11.7% YoY-4.7% QoQ
|
+0.9 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 10.3% in tier |
| Loan To Share |
54.9%
-6.5% YoY+0.2% QoQ
|
-17.8% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.8% in tier |
| AMR |
$13,740
+6.1% YoY+1.0% QoQ
|
$-11K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.5% in tier |
| CD Concentration |
21.1%
+26.4% YoY+11.1% QoQ
|
-3.3% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
9.4%
-1.1% YoY-3.3% QoQ
|
-4.6% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)