BlastPoint's Credit Union Scorecard

HERITAGE USA

Charter #6434 · TX

1069 CUs in 100M-500M nationally 79 in TX

HERITAGE USA has 5 strengths but faces 13 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 87.8% in tier
+ Net Interest Margin 1.18% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 1.4% in tier
+ Fee Income Per Member: Top 4.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 38.5% in tier
- Credit Quality Pressure: Bottom 50.7% in tier
- Credit Risk Growth: Bottom 65.5% in tier
- Liquidity Strain: Bottom 94.7% in tier
- Deposit Outflow: Bottom 100.0% in tier
- ROA 2.48% below tier average
- Efficiency ratio 13.17% above tier (higher cost structure)
- Delinquency rate 1.78% above tier average
- Net Charge-Off Rate: Bottom 0.7% in tier
- Total Assets: Bottom 1.2% in tier
- Total Delinquency Rate (60+ days): Bottom 3.5% in tier
- Total Deposits: Bottom 4.0% in tier
- Asset Growth Rate: Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	6,854 +0.9% YoY-0.4% QoQ	-8.6K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Bottom 9.9% in tier
Assets	$101.9M -1.5% YoY-4.1% QoQ	$-130.0M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	Bottom 1.1% in tier
Loans	$81.8M +3.7% YoY-2.0% QoQ	$-65.5M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	24%
Deposits	$90.6M -1.1% YoY-1.9% QoQ	$-110.2M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	Bottom 3.9% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	-1.7% -282.2% YoY+501.3% QoQ	-2.5%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 0.5% in tier
NIM	4.8% +3.0% YoY+0.7% QoQ	+1.2%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	Top 4.5% in tier
Efficiency Ratio	90.2% +14.8% YoY+6.1% QoQ	+13.2%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Top 9.7% in tier
Delinquency Rate	2.7% +8.3% YoY-18.1% QoQ	+1.8	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	Top 3.5% in tier
Loan To Share	90.3% +4.9% YoY-0.1% QoQ	+18.1%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	Top 13.7% in tier
AMR	$25,164 +0.2% YoY-1.6% QoQ	+$488	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	64%
CD Concentration	33.0% +12.4% YoY-9.4% QoQ	+8.6%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#374 of 426 • Top 87.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.91%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (5)

Efficiency Drag

risk

#208 of 538 • Bottom 38.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.19%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -2.66% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.91%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Credit Quality Pressure

risk

#358 of 705 • Bottom 50.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Credit Risk Growth

risk

#299 of 456 • Bottom 65.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.71%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Liquidity Strain

risk

#216 of 228 • Bottom 94.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.28%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.71%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Deposit Outflow

decline

#69 of 69 • Bottom 100.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.09%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.91%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.31%

Peer Median: -

#16 of 1069 Top 1.4% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.78%

Peer Median: -

#48 of 1069 Top 4.4% in 100M-500M tier

Fee Income Per Member

profitability

Value: $308.90

Peer Median: -

#51 of 1069 Top 4.7% in 100M-500M tier

146

Loan-to-Share Ratio

balance_sheet

Value: 90.28%

Peer Median: -

#146 of 1069 Top 13.6% in 100M-500M tier

266

Loan-to-Member Ratio (LMR)

engagement

Value: $11,939

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (14 metrics)

1064

Return on Assets (ROA)

profitability

Value: -1.72%

Peer Median: -

#1064 of 1069 Bottom 0.6% in 100M-500M tier

1063

Net Charge-Off Rate

risk

Value: 2.53%

Peer Median: -

#1063 of 1069 Bottom 0.7% in 100M-500M tier

1057

Total Assets

balance_sheet

Value: $101.89M

Peer Median: -

#1057 of 1069 Bottom 1.2% in 100M-500M tier

1033

Total Delinquency Rate (60+ days)

risk

Value: 2.67%

Peer Median: -

#1033 of 1069 Bottom 3.5% in 100M-500M tier

1027

Total Deposits

balance_sheet

Value: $90.64M

Peer Median: -

#1027 of 1069 Bottom 4.0% in 100M-500M tier

966

Efficiency Ratio

profitability

Value: 90.19%

Peer Median: -

#966 of 1069 Bottom 9.7% in 100M-500M tier

966

Asset Growth Rate

growth

Value: -1.52%

Peer Median: -

#966 of 1069 Bottom 9.7% in 100M-500M tier

963

Total Members

engagement

Value: 6,854

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

952

Members Per Employee (MPE)

engagement

Value: 228.467

Peer Median: -

#952 of 1069 Bottom 11.0% in 100M-500M tier

936

Deposit Growth Rate

growth

Value: -1.09%

Peer Median: -

#936 of 1069 Bottom 12.5% in 100M-500M tier