BlastPoint's Credit Union Scorecard
AMERICAN HERITAGE
Charter #5621 · PA
AMERICAN HERITAGE has 2 strengths but faces 6 concerns
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
- + Emerging Performer: Top 79.0% in tier
- + Organic Growth Engine: Top 86.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 88.2% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 4.84% above tier (higher cost structure)
- - Delinquency rate 0.33% above tier average
- - Net Worth Ratio: Bottom 5.7% in tier
- - Total Deposits: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
327,568
+2.9% YoY+0.3% QoQ
|
+35.2K |
292,342
-2.4% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$5.2B
+3.6% YoY+1.3% QoQ
|
$-504.4M |
$5.7B
-0.2% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$3.6B
+1.9% YoY+0.1% QoQ
|
$-534.4M |
$4.2B
-1.6% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$4.3B
+10.5% YoY+3.5% QoQ
|
$-579.1M |
$4.8B
+0.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.7% in tier |
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| ROA |
0.7%
+30.9% YoY-2.4% QoQ
|
-0.1% |
0.8%
+27.9% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
2.8%
+2.7% YoY-1.7% QoQ
|
-0.2% |
3.0%
+8.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
72.1%
-2.4% YoY-1.4% QoQ
|
+4.8% |
67.3%
-3.7% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.1%
-0.6% YoY-3.0% QoQ
|
+0.3 |
0.8%
+17.5% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
85.1%
-7.8% YoY-3.3% QoQ
|
-0.8% |
85.9%
-2.6% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$24,114
+3.4% YoY+1.7% QoQ
|
$-10K |
$34,289
+3.5% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.3% in tier |
| CD Concentration |
33.3%
-3.8% YoY-3.1% QoQ
|
+4.2% | 29.1% | 15.5% | 19.8% | 64% |
| Indirect Auto % |
21.6%
-3.5% YoY+7.8% QoQ
|
+4.5% | 17.1% | 8.1% | 7.8% | 64% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)