BlastPoint's Credit Union Scorecard
AMERICAN HERITAGE
Charter #5621 · PA
AMERICAN HERITAGE has 1 strength 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 81.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 70.3% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 9.87% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - Loan Growth Rate: Bottom 5.1% in tier
- - Net Worth Ratio: Bottom 5.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 2 that size in Pennsylvania.
- Shares and deposits +8.2% year over year ($4.41B in shares and deposits).
- Membership: 330,603 members, +1.7% vs a year ago.
- Delinquency rate 1.23%.
- Return on assets 0.53%.
- Efficiency ratio 75.05% vs a 65.18% peer average.
- Loan-to-share ratio 84.84% vs a 85.64% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
330,603
+1.7% YoY+0.3% QoQ
|
+19.7K |
310,918
+6.0% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$5.4B
+3.9% YoY+0.6% QoQ
|
$-433.3M |
$5.8B
-1.1% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$3.7B
-4.5% YoY+0.7% QoQ
|
$-462.1M |
$4.2B
-0.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$4.4B
+8.2% YoY+1.3% QoQ
|
$-488.8M |
$4.9B
-1.3% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
15% |
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| ROA |
0.5%
-4.8% YoY+29.9% QoQ
|
-0.4% |
0.9%
+35.3% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
2.8%
-0.9% YoY+1.5% QoQ
|
-0.4% |
3.2%
+9.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
75.0%
-0.7% YoY-5.1% QoQ
|
+9.9% |
65.2%
-9.0% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
1.2%
-0.8% YoY+37.3% QoQ
|
+0.5 |
0.8%
+23.8% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
85% |
| Loan To Share |
84.8%
-11.7% YoY-0.6% QoQ
|
-0.8% |
85.6%
-0.2% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$24,634
+0.3% YoY+0.8% QoQ
|
$-7K |
$32,010
-7.3% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
32.7%
-3.0% YoY-0.5% QoQ
|
+4.4% | 28.3% | 15.6% | 20.0% | 70% |
| Indirect Auto % |
24.8%
+4.4% YoY+7.5% QoQ
|
+8.0% | 16.8% | 8.4% | 7.7% | 73% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)