BlastPoint's Credit Union Scorecard
AMERICAN HERITAGE
Charter #5621 · PA
AMERICAN HERITAGE faces 5 concerns requiring attention
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 56.2% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 12.49% above tier (higher cost structure)
- - Delinquency rate 0.20% above tier average
- - Net Worth Ratio: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
329,657
+2.1% YoY+0.6% QoQ
|
+21.9K |
307,793
+7.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$5.3B
+5.6% YoY+1.6% QoQ
|
$-447.1M |
$5.8B
-0.2% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$3.7B
+2.5% YoY+2.2% QoQ
|
$-443.7M |
$4.2B
+0.4% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$4.3B
+9.9% YoY+1.9% QoQ
|
$-546.6M |
$4.9B
+0.2% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.8% in tier |
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| ROA |
0.4%
+4.5% YoY-41.0% QoQ
|
-0.5% |
0.9%
+47.0% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.1% in tier |
| NIM |
2.8%
+2.0% YoY-1.1% QoQ
|
-0.4% |
3.2%
+9.8% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
79.1%
+4.2% YoY+9.6% QoQ
|
+12.5% |
66.6%
-11.0% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate |
0.9%
-16.4% YoY-19.3% QoQ
|
+0.2 |
0.7%
+23.3% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
85.3%
-6.7% YoY+0.3% QoQ
|
+0.6% |
84.7%
-0.7% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$24,450
+4.2% YoY+1.4% QoQ
|
$-8K |
$32,237
-7.3% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration |
32.8%
-2.1% YoY-1.5% QoQ
|
+4.2% | 28.6% | 15.4% | 19.8% | 67% |
| Indirect Auto % |
23.1%
-6.3% YoY+6.8% QoQ
|
+6.7% | 16.4% | 8.3% | 7.7% | 68% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)