GEORGIA HERITAGE

Charter #3800 | GA

100M-500M (1077 CUs) Micro
20 100M-500M in GA

GEORGIA HERITAGE has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 8.2% in tier
  • + Emerging Performer: Top 22.6% in tier
  • + Relationship Depth Leader: Top 23.4% in tier
  • + Organic Growth Engine: Top 32.7% in tier
  • + Net Interest Margin 0.29% above tier average
  • + Loan Growth Rate: Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 1.6% in tier
  • - Indirect Auto Dependency: Bottom 2.9% in tier
  • - Growth-at-Risk: Bottom 6.1% in tier
  • - Credit Quality Pressure: Bottom 17.1% in tier
  • - ROA 0.39% below tier average
  • - Efficiency ratio 11.00% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 15,226
+0.9% YoY-2.2% QoQ
 -402 15,628
-3.4% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 58th in tier
Assets $155.5M
+6.0% YoY+1.4% QoQ
 $-75.8M $231.3M
-0.0% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 32nd in tier
Loans $107.5M
+14.4% YoY+3.2% QoQ
 $-40.3M $147.8M
-1.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 39th in tier
Deposits $135.9M
+4.5% YoY+1.0% QoQ
 $-64.4M $200.3M
-0.0% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 33rd in tier
ROA 0.4%
-7.4% YoY+28.5% QoQ
 -0.4% 0.8%
+15.5% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 25th in tier
NIM 3.9%
+2.8% YoY-1.5% QoQ
 +0.3% 3.6%
+6.9% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 66th in tier
Efficiency Ratio 88.3%
+10.0% YoY+0.5% QoQ
 +11.0% 77.3%
-3.0% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Top 13.7% in tier
Delinquency Rate 0.5%
+36.8% YoY+87.6% QoQ
 -0.3 0.9%
+7.6% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 40th in tier
Loan To Share 79.1%
+9.5% YoY+2.2% QoQ
 +6.4% 72.7%
-1.5% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 60th in tier
AMR $15,985
+7.7% YoY+4.3% QoQ
 $-8K $24,363
+2.9% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 Bottom 13.6% in tier
CD Concentration 24.4%
+13.2% YoY+13.8% QoQ
 -0.0% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 45.3%
-16.9% YoY-10.6% QoQ
 +31.3% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#228 of 1006 • Top 8.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.68%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#425 of 627 • Top 22.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.40%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Relationship Depth Leader

growth
#646 of 1006 • Top 23.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.68%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#599 of 603 • Top 32.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.40%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 45.29%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk
#30 of 521 • Bottom 1.6% in tier

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

Why This Signature
Efficiency Ratio: 88.28%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.03% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.91%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#47 of 525 • Bottom 2.9% in tier

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

Why This Signature
Asset Growth (YoY): 6.04%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 45.29%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.91%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Growth-at-Risk

risk
#92 of 446 • Bottom 6.1% in tier

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

Why This Signature
Loan Growth (YoY): 14.45%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#423 of 736 • Bottom 17.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

81
Loan Growth Rate
growth
Value: 14.45%
Peer Avg: 3.45%
#81 of 1077 Top 7.4% in 100M-500M tier
176
AMR Growth Rate
growth
Value: 7.68%
Peer Avg: 3.64%
#176 of 1077 Top 16.2% in 100M-500M tier
210
First Mortgage Concentration (%)
balance_sheet
Value: 14.61%
Peer Avg: 30.43%
#210 of 1077 Top 19.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1021
Indirect Auto Concentration (%)
balance_sheet
Value: 45.29%
Peer Avg: 13.34%
#1021 of 1077 Bottom 5.3% in 100M-500M tier
930
Efficiency Ratio
profitability
Value: 88.28%
Peer Avg: 77.28%
#930 of 1077 Bottom 13.7% in 100M-500M tier
930
Average Member Relationship (AMR)
engagement
Value: $15,985
Peer Avg: $24,363
#930 of 1077 Bottom 13.7% in 100M-500M tier
825
Loan-to-Member Ratio (LMR)
engagement
Value: $7,058
Peer Avg: $10,245
#825 of 1077 Bottom 23.5% in 100M-500M tier