BlastPoint's Credit Union Scorecard

HERITAGE USA

Charter #6434 · TX

1077 CUs in 100M-500M nationally 79 in TX

HERITAGE USA has 5 strengths but faces 15 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 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
- Credit Risk Growth: Bottom 4.3% in tier
- Shrinking Wallet Share: Bottom 18.5% in tier
- Efficiency Drag: Bottom 26.4% in tier
- Liquidity Strain: Bottom 29.2% in tier
- Deposit Outflow: Bottom 98.8% 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	24%
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

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	76%
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	85%
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	67%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#129 of 430 • Top 9.7% in tier

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

Why This Signature

Member Growth (YoY): 3.69%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

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

Credit Risk Growth

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: 3.65%, 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

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: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Deposit Outflow

decline

#80 of 81 • Bottom 98.8% 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): -0.78%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 3.69%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.44%

Peer Avg: -

#18 of 1077 Top 1.6% in 100M-500M tier

Fee Income Per Member

profitability

Value: $310.69

Peer Avg: -

#49 of 1077 Top 4.5% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.75%

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

155

Member Growth Rate

growth

Value: 3.69%

Peer Avg: -

#155 of 1077 Top 14.3% in 100M-500M tier

164

Loan-to-Share Ratio

balance_sheet

Value: 90.34%

Peer Avg: -

#164 of 1077 Top 15.1% in 100M-500M tier

247

Loan-to-Member Ratio (LMR)

engagement

Value: $12,138

Peer Avg: -

#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: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

1044

Return on Assets (ROA)

profitability

Value: -0.29%

Peer Avg: -

#1044 of 1077 Bottom 3.2% in 100M-500M tier

1034

Net Charge-Off Rate

risk

Value: 1.44%

Peer Avg: -

#1034 of 1077 Bottom 4.1% in 100M-500M tier

1033

Total Assets

balance_sheet

Value: $106.21M

Peer Avg: -

#1033 of 1077 Bottom 4.2% in 100M-500M tier

1027

Total Deposits

balance_sheet

Value: $92.44M

Peer Avg: -

#1027 of 1077 Bottom 4.7% in 100M-500M tier

982

Members Per Employee (MPE)

engagement

Value: 221.935

Peer Avg: -

#982 of 1077 Bottom 8.9% in 100M-500M tier

974

Total Members

engagement

Value: 6,880

Peer Avg: -

#974 of 1077 Bottom 9.7% in 100M-500M tier

949

Share Certificate Concentration (%)

balance_sheet

Value: 36.47%

Peer Avg: -

#949 of 1077 Bottom 12.0% in 100M-500M tier

930

Deposit Growth Rate

growth

Value: -0.78%

Peer Avg: -

#930 of 1077 Bottom 13.7% in 100M-500M tier

928

AMR Growth Rate

growth

Value: -1.45%

Peer Avg: -

#928 of 1077 Bottom 13.9% in 100M-500M tier