BlastPoint's Credit Union Scorecard
COUNTRY HERITAGE
Charter #62079 · MI
COUNTRY HERITAGE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.2% in tier
- + Loan-to-Share Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.71% above tier average
- - Member decline: -2.2% YoY
- - Share Certificate Concentration (%): Bottom 1.2% in tier
- - First Mortgage Concentration (%): Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,226
-2.2% YoY+1.8% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$52.5M
+4.4% YoY+0.4% QoQ
|
+$22.4M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$37.8M
+5.3% YoY+1.7% QoQ
|
+$22.0M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 12.2% in tier |
| Deposits |
$41.3M
+4.3% YoY+0.1% QoQ
|
+$15.6M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
1.0%
-4.0% YoY+16.2% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
2.8%
+6.4% YoY+4.3% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio |
62.9%
+9.0% YoY-5.4% QoQ
|
-19.7% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 14.9% in tier |
| Delinquency Rate |
2.3%
+32.5% YoY+31.6% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
91.5%
+1.0% YoY+1.7% QoQ
|
+30.9% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Top 9.0% in tier |
| AMR |
$64,485
+7.1% YoY-1.0% QoQ
|
+$50K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 0.2% in tier |
| CD Concentration |
62.0%
+6.9% YoY+3.9% QoQ
|
+37.5% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)