BlastPoint's Credit Union Scorecard

GREENVILLE HERITAGE

Charter #4400 · SC

100M-500M

1070 CUs in 100M-500M nationally 9 in SC

GREENVILLE HERITAGE has 1 strength but faces 6 concerns

National Analysis

How does the industry compare?

SC Analysis

How does SC 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

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.08% below tier average
- Efficiency ratio 2.16% above tier (higher cost structure)
- Member decline: -2.6% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	11,410 -2.6% YoY-0.5% QoQ	-3.7K	15,145 -2.5% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	40%
Assets	$177.1M +4.9% YoY+4.3% QoQ	$-54.6M	$231.7M +0.8% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	42%
Loans	$90.2M +2.4% YoY-0.4% QoQ	$-54.0M	$144.1M +0.2% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	31%
Deposits	$154.2M +4.6% YoY+4.8% QoQ	$-46.9M	$201.1M +0.4% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	42%

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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	0.7% +77.2% YoY-22.5% QoQ	-0.1%	0.7% +5.1% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	46%
NIM	3.3% +1.7% YoY-6.3% QoQ	-0.4%	3.6% +4.6% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	80.2% +2.3% YoY+6.4% QoQ	+2.2%	78.0% -1.7% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.3% -25.7% YoY-6.9% QoQ	-0.5	0.8% +7.1% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	23%
Loan To Share	58.5% -2.1% YoY-5.0% QoQ	-11.9%	70.4% -0.4% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	24%
AMR	$21,418 +6.5% YoY+3.4% QoQ	$-4K	$24,918 +2.7% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	41%
CD Concentration	36.9% +14.6% YoY+6.1% QoQ	+12.7%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#326 of 491 • 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): 6.54%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#291 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): -2.60%

(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

Stagnation Risk

risk

#409 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): -2.60%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.39%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.31%

(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

Efficiency Drag

risk

#537 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: 80.19%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.28% points

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

but better than tier avg

Member Growth (YoY): -2.60%

(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 | 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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

250

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.61%

#250 of 1070 Top 23.3% in 100M-500M tier

252

AMR Growth Rate

growth

Value: 6.54%

Peer Median: 3.46%

#252 of 1070 Top 23.5% in 100M-500M tier

Top Weaknesses (3 metrics)

959

Share Certificate Concentration (%)

balance_sheet

Value: 36.93%

Peer Median: 23.10%

#959 of 1070 Bottom 10.5% in 100M-500M tier

829

Member Growth Rate

growth

Value: -2.60%

Peer Median: -0.06%

#829 of 1070 Bottom 22.6% in 100M-500M tier

814

Loan-to-Share Ratio

balance_sheet

Value: 58.47%

Peer Median: 71.88%

#814 of 1070 Bottom 24.0% in 100M-500M tier