BlastPoint's Credit Union Scorecard
GREENVILLE HERITAGE
Charter #4400 · SC
GREENVILLE HERITAGE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 46.0% in tier
- + ROA 0.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 14.3% in tier
- - Membership Headwinds: Bottom 18.3% in tier
- - Member decline: -2.3% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,536
-2.3% YoY-0.7% QoQ
|
-4.1K |
15,628
-3.4% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$168.7M
+1.4% YoY+0.3% QoQ
|
$-62.6M |
$231.3M
-0.0% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
39% |
| Loans |
$88.8M
-0.4% YoY-0.5% QoQ
|
$-59.0M |
$147.8M
-1.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$146.3M
+0.8% YoY+0.0% QoQ
|
$-53.9M |
$200.3M
-0.0% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
39% |
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| ROA |
0.9%
+98.1% YoY+31.0% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
56% |
| NIM |
3.5%
+15.8% YoY+2.2% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
75.2%
-10.4% YoY-1.8% QoQ
|
-2.1% |
77.3%
-3.0% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.2%
-24.4% YoY-45.1% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.4% in tier |
| Loan To Share |
60.7%
-1.2% YoY-0.5% QoQ
|
-12.0% |
72.7%
-1.5% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$20,386
+2.6% YoY+0.6% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
34.3%
+2.8% YoY+5.3% QoQ
|
+9.9% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)