BlastPoint's Credit Union Scorecard

GEORGIA HERITAGE

Charter #3800 · GA

100M-500M

1070 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

+ Net Interest Margin 0.07% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.40% below tier average
- Efficiency ratio 15.68% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	15,224 -1.3% YoY+0.4% QoQ	+78	15,145 -2.5% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	60%
Assets	$158.7M +4.4% YoY-1.2% QoQ	$-73.0M	$231.7M +0.8% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	35%
Loans	$101.3M -3.3% YoY-2.7% QoQ	$-42.8M	$144.1M +0.2% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	37%
Deposits	$139.7M +4.9% YoY-1.7% QoQ	$-61.4M	$201.1M +0.4% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	35%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -14.0% YoY-11.9% QoQ	-0.4%	0.7% +5.1% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	25%
NIM	3.7% -6.2% YoY-1.5% QoQ	+0.1%	3.6% +4.6% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	93.7% +12.6% YoY+4.6% QoQ	+15.7%	78.0% -1.7% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	Bottom 8.4% in tier
Delinquency Rate	0.3% +4.7% YoY-41.5% QoQ	-0.4	0.8% +7.1% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	25%
Loan To Share	72.5% -7.9% YoY-1.0% QoQ	+2.1%	70.4% -0.4% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	51%
AMR	$15,831 +2.6% YoY-2.5% QoQ	$-9K	$24,918 +2.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	Bottom 12.0% in tier
CD Concentration	24.1% +17.3% YoY+1.3% QoQ	-0.2%	24.3%	20.0%	19.8%	50%
Indirect Auto %	40.4% -23.5% YoY-5.8% QoQ	+26.6%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#12 of 596 • 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: 93.71%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.05% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#85 of 504 • 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): 4.43%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 40.45%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Stagnation Risk

risk

#381 of 570 • 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): -1.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.35%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.33%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#453 of 570 • 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): -1.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#214 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $158.69M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.32%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.35%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Credit Quality Pressure

risk

#679 of 727 • 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): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 1070 peers in tier

Top Strengths (2 metrics)

224

First Mortgage Concentration (%)

balance_sheet

Value: 15.08%

Peer Median: 29.47%

#224 of 1070 Top 20.8% in 100M-500M tier

267

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.61%

#267 of 1070 Top 24.9% in 100M-500M tier

Top Weaknesses (6 metrics)

988

Indirect Auto Concentration (%)

balance_sheet

Value: 40.45%

Peer Median: 6.61%

#988 of 1070 Bottom 7.8% in 100M-500M tier

981

Efficiency Ratio

profitability

Value: 93.71%

Peer Median: 78.68%

#981 of 1070 Bottom 8.4% in 100M-500M tier

942

Average Member Relationship (AMR)

engagement

Value: $15,831

Peer Median: $22,931

#942 of 1070 Bottom 12.1% in 100M-500M tier

900

Loan Growth Rate

growth

Value: -3.35%

Peer Median: 2.93%

#900 of 1070 Bottom 16.0% in 100M-500M tier

863

Loan-to-Member Ratio (LMR)

engagement

Value: $6,654

Peer Median: $9,356

#863 of 1070 Bottom 19.4% in 100M-500M tier

807

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: 0.69%

#807 of 1070 Bottom 24.7% in 100M-500M tier