AMERICAN HERITAGE

Charter #5621 | PA

5B-7B (34 CUs) Large (64 CUs)
2 5B-7B in PA

AMERICAN HERITAGE has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 14.9% in tier
  • + Organic Growth Engine: Top 24.3% in tier
  • + Wallet Share Momentum: Top 37.6% in tier
  • + Relationship Depth Leader: Top 38.5% 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
 65th in tier
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
 Bottom 17.6% in tier
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
 29th in tier
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
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
 44th in tier
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
 38th in tier
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
 Top 23.5% in tier
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
 44th in tier
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
 70th in tier
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
 61st in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#14 of 31 • Top 14.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

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
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | New qualifier

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

Wallet Share Momentum

growth
#45 of 46 • Top 37.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.98%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Relationship Depth Leader

growth
#46 of 46 • Top 38.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.98%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.5K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 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)

Comparing against 34 peers in tier

Top Strengths (2 metrics)

3
First Mortgage Concentration (%)
balance_sheet
Value: 19.44%
Peer Avg: 37.88%
#3 of 34 Top 5.9% in 5B-7B tier
8
Members Per Employee (MPE)
engagement
Value: 472.747
Peer Avg: 430.688
#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (10 metrics)

33
Net Worth Ratio
risk
Value: 8.37%
Peer Avg: 10.96%
#33 of 34 Bottom 5.9% in 5B-7B tier
33
Total Deposits
balance_sheet
Value: $4.12B
Peer Avg: $4.89B
#33 of 34 Bottom 5.9% in 5B-7B tier
32
Total Delinquency Rate (60+ days)
risk
Value: 1.15%
Peer Avg: 0.62%
#32 of 34 Bottom 8.8% in 5B-7B tier
29
Loan Growth Rate
growth
Value: -0.87%
Peer Avg: 5.95%
#29 of 34 Bottom 17.6% in 5B-7B tier
29
Average Member Relationship (AMR)
engagement
Value: $23,721
Peer Avg: $34,398
#29 of 34 Bottom 17.6% in 5B-7B tier
28
Loan-to-Member Ratio (LMR)
engagement
Value: $11,098
Peer Avg: $15,308
#28 of 34 Bottom 20.6% in 5B-7B tier
28
Total Assets
balance_sheet
Value: $5.17B
Peer Avg: $5.79B
#28 of 34 Bottom 20.6% in 5B-7B tier
27
Efficiency Ratio
profitability
Value: 73.12%
Peer Avg: 68.13%
#27 of 34 Bottom 23.5% in 5B-7B tier
27
Fee Income Per Member
profitability
Value: $179.22
Peer Avg: $213.89
#27 of 34 Bottom 23.5% in 5B-7B tier
27
AMR Growth Rate
growth
Value: 0.98%
Peer Avg: 3.75%
#27 of 34 Bottom 23.5% in 5B-7B tier