BlastPoint's Credit Union Scorecard
GREENVILLE HERITAGE
Charter #4400 · SC
GREENVILLE HERITAGE has 1 strength but faces 4 concerns
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
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.07% below tier average
- - Share Certificate Concentration (%): Bottom 9.3% in tier
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 9 that size in South Carolina.
- Shares and deposits +7.4% year over year ($157M in shares and deposits).
- Membership: 11,448 members, -1.5% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 0.79%.
- Efficiency ratio 76.69% vs a 76.73% peer average.
- Loan-to-share ratio 58.93% 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 (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,448
-1.5% YoY+0.3% QoQ
|
-3.7K |
15,168
-2.6% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$181.2M
+7.7% YoY+2.3% QoQ
|
$-50.9M |
$232.0M
+0.7% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$92.5M
+3.7% YoY+2.6% QoQ
|
$-53.7M |
$146.3M
+0.2% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$157.1M
+7.4% YoY+1.8% QoQ
|
$-43.7M |
$200.7M
+0.2% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.8%
+21.3% YoY+21.6% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
3.3%
-3.4% YoY+0.2% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
76.7%
+0.1% YoY-4.4% QoQ
|
+0.0% |
76.7%
-0.8% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.3%
-14.6% YoY+9.0% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
58.9%
-3.4% YoY+0.8% QoQ
|
-12.6% |
71.5%
-0.3% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$21,803
+7.6% YoY+1.8% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
38.6%
+18.4% YoY+4.4% QoQ
|
+14.0% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)