BlastPoint's Credit Union Scorecard

GEORGIA HERITAGE

Charter #3800 · GA

100M-500M

1024 CUs in 100M-500M nationally 18 in GA

GEORGIA HERITAGE has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.56% below tier average
- Efficiency ratio 17.42% above tier (higher cost structure)

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 18 that size in Georgia.
Shares and deposits +6.6% year over year ($143M in shares and deposits).
Membership: 15,349 members, -1.4% vs a year ago.
Delinquency rate 0.34%.
Return on assets 0.30%.
Efficiency ratio 94.15% vs a 76.73% peer average.
Loan-to-share ratio 77.01% 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 (GA)	National Avg	Tier Percentile
Members	15,349 -1.4% YoY+0.8% QoQ	+180	15,168 -2.6% YoY	32,666 +7.6% YoY	34,678 +6.6% YoY	60%
Assets	$162.7M +6.1% YoY+2.5% QoQ	$-69.4M	$232.0M +0.7% YoY	$529.0M +8.4% YoY	$593.1M +10.2% YoY	36%
Loans	$110.5M +6.2% YoY+9.1% QoQ	$-35.8M	$146.3M +0.2% YoY	$366.4M +11.0% YoY	$418.6M +10.1% YoY	42%
Deposits	$143.5M +6.6% YoY+2.7% QoQ	$-57.2M	$200.7M +0.2% YoY	$453.8M +8.0% YoY	$504.8M +10.3% YoY	37%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -3.3% YoY-8.3% QoQ	-0.6%	0.9% +12.5% YoY	1.1% +36.8% YoY	1.2% +121.4% YoY	Bottom 14.6% in tier
NIM	3.6% -9.2% YoY-3.5% QoQ	-0.1%	3.7% +4.5% YoY	4.1% -0.3% YoY	3.8% +2.3% YoY	43%
Efficiency Ratio	94.2% +7.2% YoY+0.5% QoQ	+17.4%	76.7% -0.8% YoY	78.8% -0.4% YoY	83.0% -5.3% YoY	Bottom 4.4% in tier
Delinquency Rate	0.3% +20.0% YoY+3.7% QoQ	-0.5	0.9% +6.6% YoY	1.5% +41.3% YoY	1.3% +2.6% YoY	22%
Loan To Share	77.0% -0.4% YoY+6.2% QoQ	+5.5%	71.5% -0.3% YoY	70.2% -1.6% YoY	66.4% -1.4% YoY	58%
AMR	$16,548 +7.9% YoY+4.5% QoQ	$-9K	$25,107 +3.2% YoY	$17,498 +1.4% YoY	$20,028 -0.9% YoY	Bottom 14.6% in tier
CD Concentration	24.7% +15.0% YoY+2.5% QoQ	+0.1%	24.6%	20.2%	20.0%	50%
Indirect Auto %	34.1% -32.7% YoY-15.7% QoQ	+20.5%	13.6%	4.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#214 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.94%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk

#4 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 94.15%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.01% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -1.41%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#73 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.10%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 34.10%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.41%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Membership Headwinds

decline

#407 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.41%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Credit Risk Growth

risk

#353 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.16%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#568 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Stagnation Risk

risk

#512 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.41%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 6.16%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.34%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (3 metrics)

165

AMR Growth Rate

growth

Value: 7.94%

Peer Median: 3.53%

#165 of 1024 Top 16.0% in 100M-500M tier

230

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Median: 0.71%

#230 of 1024 Top 22.4% in 100M-500M tier

244

Deposit Growth Rate

growth

Value: 6.60%

Peer Median: 3.58%

#244 of 1024 Top 23.7% in 100M-500M tier

Top Weaknesses (4 metrics)

980

Efficiency Ratio

profitability

Value: 94.15%

Peer Median: 77.26%

#980 of 1024 Bottom 4.4% in 100M-500M tier

901

Indirect Auto Concentration (%)

balance_sheet

Value: 34.10%

Peer Median: 6.15%

#901 of 1024 Bottom 12.1% in 100M-500M tier

875

Return on Assets (ROA)

profitability

Value: 0.30%

Peer Median: 0.75%

#875 of 1024 Bottom 14.6% in 100M-500M tier

874

Average Member Relationship (AMR)

engagement

Value: $16,548

Peer Median: $23,006

#874 of 1024 Bottom 14.7% in 100M-500M tier