BlastPoint's Credit Union Scorecard

AMERICAN HERITAGE

Charter #5621 · PA

Large 5B-7B

34 CUs in 5B-7B nationally 2 in PA

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AMERICAN HERITAGE has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 24.3% in tier
+ Emerging Performer: Top 70.0% in tier
+ First Mortgage Concentration (%): Top 5.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.4% in tier
- Indirect Auto Dependency: Bottom 21.2% in tier
- ROA 0.09% below tier average
- Efficiency ratio 4.99% above tier (higher cost structure)
- Delinquency rate 0.52% above tier average
- Net Worth Ratio: Bottom 5.9% in tier
- Total Deposits: Bottom 5.9% in tier
- Total Delinquency Rate (60+ days): Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	326,668 +3.5% YoY+0.5% QoQ	+36.9K	289,724 -2.8% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	65%
Assets	$5.2B +6.9% YoY+0.4% QoQ	$-620.4M	$5.8B +0.2% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	18%
Loans	$3.6B -0.9% YoY-7.3% QoQ	$-457.1M	$4.1B -3.1% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	29%
Deposits	$4.1B +9.8% YoY+1.3% QoQ	$-764.8M	$4.9B +2.2% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	Bottom 2.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +22.0% YoY+27.2% QoQ	-0.1%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	44%
NIM	2.9% +1.4% YoY+0.4% QoQ	-0.0%	2.9% +3.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	38%
Efficiency Ratio	73.1% -0.7% YoY-3.2% QoQ	+5.0%	68.1% -1.7% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	76%
Delinquency Rate	1.1% +15.2% YoY-7.7% QoQ	+0.5	0.6% -2.2% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	Top 8.8% in tier
Loan To Share	87.9% -9.7% YoY-8.5% QoQ	+4.3%	83.6% -5.7% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	44%
AMR	$23,721 +1.0% YoY-3.4% QoQ	$-11K	$34,398 +4.0% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	Bottom 14.7% in tier
CD Concentration	34.4% -2.4% YoY+2.1% QoQ	+5.5%	28.9% -1.3% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	70%
Indirect Auto %	20.1% -25.6% YoY-15.7% QoQ	+3.5%	16.6% -10.3% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	61%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#37 of 50 • Top 24.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.53%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Return on Assets: 0.71%

(Tier: 0.91%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 20.07%

(Tier: 16.60%, National: 7.90%)

but worse than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Emerging Performer

growth

#15 of 21 • Top 70.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.71%

(Tier: 0.91%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 3.53%

(Tier: 3.07%, National: 9.37%)

better than tier avg

21 of 64 Large CUs have this signature | 288 nationally

→ Stable (17→21 CUs) +4 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#10 of 34 • Bottom 7.4% 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

34 of 64 Large CUs have this signature | 1002 nationally

↓ Shrinking -17 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#22 of 33 • Bottom 21.2% in tier

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

Why This Signature

Asset Growth (YoY): 6.88%

(Tier: 4.60%, National: 3.04%)

but better than tier avg

Indirect Auto %: 20.07%

(Tier: 16.60%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.53%

(Tier: 3.07%, National: 9.37%)

but better than tier avg

33 of 64 Large CUs have this signature | 768 nationally

→ Stable (34→33 CUs) -1 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)

Compare against:

Comparing against 34 peers in tier

Top Strengths (2 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 19.44%

Peer Avg: -

#3 of 34 Top 5.9% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 472.747

Peer Avg: -

#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (10 metrics)

Net Worth Ratio

risk

Value: 8.37%

Peer Avg: -

#33 of 34 Bottom 5.9% in 5B-7B tier

Total Deposits

balance_sheet

Value: $4.12B

Peer Avg: -

#33 of 34 Bottom 5.9% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.15%

Peer Avg: -

#32 of 34 Bottom 8.8% in 5B-7B tier

Loan Growth Rate

growth

Value: -0.87%

Peer Avg: -

#29 of 34 Bottom 17.6% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $23,721

Peer Avg: -

#29 of 34 Bottom 17.6% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $11,098

Peer Avg: -

#28 of 34 Bottom 20.6% in 5B-7B tier

Total Assets

balance_sheet

Value: $5.17B

Peer Avg: -

#28 of 34 Bottom 20.6% in 5B-7B tier

Efficiency Ratio

profitability

Value: 73.12%

Peer Avg: -

#27 of 34 Bottom 23.5% in 5B-7B tier

Fee Income Per Member

profitability

Value: $179.22

Peer Avg: -

#27 of 34 Bottom 23.5% in 5B-7B tier

AMR Growth Rate

growth

Value: 0.98%

Peer Avg: -

#27 of 34 Bottom 23.5% in 5B-7B tier