HERITAGE USA

Charter #6434 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

HERITAGE USA has 5 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 9.7% in tier
  • + Net Interest Margin 1.17% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 1.6% in tier
  • + Fee Income Per Member: Top 4.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.4% in tier
  • - Growth-at-Risk: Bottom 4.3% in tier
  • - Shrinking Wallet Share: Bottom 18.5% in tier
  • - Deposit Outflow: Bottom 19.0% in tier
  • - Efficiency Drag: Bottom 26.4% in tier
  • - Liquidity Strain: Bottom 29.2% in tier
  • - ROA 1.07% below tier average
  • - Efficiency ratio 7.71% above tier (higher cost structure)
  • - Delinquency rate 2.40% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
  • - Net Charge-Off Rate: Bottom 4.1% in tier
  • - Total Assets: Bottom 4.2% in tier
  • - Total Deposits: Bottom 4.7% in tier
  • - Members Per Employee (MPE): Bottom 8.9% in tier
  • - Total Members: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 6,880
+3.7% YoY+1.9% QoQ
 -8.7K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 9.6% in tier
Assets $106.2M
+0.0% YoY+0.3% QoQ
 $-125.1M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 4.1% in tier
Loans $83.5M
+5.7% YoY+2.5% QoQ
 $-64.3M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 24.1% in tier
Deposits $92.4M
-0.8% YoY+0.5% QoQ
 $-107.8M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 4.6% in tier
ROA -0.3%
-127.3% YoY-214.2% QoQ
 -1.1% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 3.1% in tier
NIM 4.8%
+0.8% YoY-0.6% QoQ
 +1.2% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 4.9% in tier
Efficiency Ratio 85.0%
+8.6% YoY+4.1% QoQ
 +7.7% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 23.5% in tier
Delinquency Rate 3.3%
+130.7% YoY+71.3% QoQ
 +2.4 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 1.8% in tier
Loan To Share 90.3%
+6.5% YoY+1.9% QoQ
 +17.6% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 15.2% in tier
AMR $25,574
-1.5% YoY-0.5% QoQ
 +$1K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 67th in tier
CD Concentration 36.5%
+43.7% YoY+4.5% QoQ
 +12.1% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#129 of 430 • Top 9.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.69%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk
#10 of 736 • Bottom 0.4% in tier

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

Why This Signature
Delinquency Change (YoY): 1.85% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#66 of 446 • Bottom 4.3% in tier

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

Why This Signature
Loan Growth (YoY): 5.68%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 1.85% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#185 of 244 • Bottom 18.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.45%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Deposit Outflow

decline
#113 of 114 • Bottom 19.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.78%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $106.21M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Efficiency Drag

risk
#467 of 521 • Bottom 26.4% in tier

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

Why This Signature
Efficiency Ratio: 84.98%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.33% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 3.69%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Liquidity Strain

risk
#227 of 258 • Bottom 29.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 90.34%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.68%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | 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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
18
First Mortgage Concentration (%)
balance_sheet
Value: 0.44%
Peer Avg: 30.43%
#18 of 1077 Top 1.6% in 100M-500M tier
49
Fee Income Per Member
profitability
Value: $310.69
Peer Avg: $174.31
#49 of 1077 Top 4.5% in 100M-500M tier
53
Net Interest Margin (NIM)
profitability
Value: 4.75%
Peer Avg: 3.58%
#53 of 1077 Top 4.8% in 100M-500M tier
155
Member Growth Rate
growth
Value: 3.69%
Peer Avg: 0.72%
#155 of 1077 Top 14.3% in 100M-500M tier
164
Loan-to-Share Ratio
balance_sheet
Value: 90.34%
Peer Avg: 72.70%
#164 of 1077 Top 15.1% in 100M-500M tier
247
Loan-to-Member Ratio (LMR)
engagement
Value: $12,138
Peer Avg: $10,245
#247 of 1077 Top 22.8% in 100M-500M tier

Top Weaknesses (13 metrics)

1059
Total Delinquency Rate (60+ days)
risk
Value: 3.26%
Peer Avg: 0.86%
#1059 of 1077 Bottom 1.8% in 100M-500M tier
1044
Return on Assets (ROA)
profitability
Value: -0.29%
Peer Avg: 0.79%
#1044 of 1077 Bottom 3.2% in 100M-500M tier
1034
Net Charge-Off Rate
risk
Value: 1.44%
Peer Avg: 0.47%
#1034 of 1077 Bottom 4.1% in 100M-500M tier
1033
Total Assets
balance_sheet
Value: $106.21M
Peer Avg: $231.30M
#1033 of 1077 Bottom 4.2% in 100M-500M tier
1027
Total Deposits
balance_sheet
Value: $92.44M
Peer Avg: $200.29M
#1027 of 1077 Bottom 4.7% in 100M-500M tier
982
Members Per Employee (MPE)
engagement
Value: 221.935
Peer Avg: 332.881
#982 of 1077 Bottom 8.9% in 100M-500M tier
974
Total Members
engagement
Value: 6,880
Peer Avg: 15,628
#974 of 1077 Bottom 9.7% in 100M-500M tier
949
Share Certificate Concentration (%)
balance_sheet
Value: 36.47%
Peer Avg: 23.61%
#949 of 1077 Bottom 12.0% in 100M-500M tier
930
Deposit Growth Rate
growth
Value: -0.78%
Peer Avg: 4.69%
#930 of 1077 Bottom 13.7% in 100M-500M tier
928
AMR Growth Rate
growth
Value: -1.45%
Peer Avg: 3.64%
#928 of 1077 Bottom 13.9% in 100M-500M tier