BlastPoint's Credit Union Scorecard

HERITAGE USA

Charter #6434 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

HERITAGE USA has 4 strengths but faces 8 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 50.0% in tier
+ Net Interest Margin 0.87% above tier average
+ Fee Income Per Member: Top 0.7% in tier
+ First Mortgage Concentration (%): Top 1.7% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 3.03% below tier average
- Delinquency rate 1.13% above tier average
- Deposit Growth Rate: Bottom 0.9% in tier
- Total Assets: Bottom 0.9% in tier
- Asset Growth Rate: Bottom 1.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	6,926 +1.5% YoY+1.1% QoQ	-8.2K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Bottom 10.9% in tier
Assets	$100.9M -8.8% YoY-1.0% QoQ	$-130.8M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 0.8% in tier
Loans	$80.2M +3.5% YoY-2.0% QoQ	$-64.0M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	25%
Deposits	$89.2M -9.4% YoY-1.6% QoQ	$-111.9M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 2.3% in tier

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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	-2.3% -1373.5% YoY+34.3% QoQ	-3.0%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 0.3% in tier
NIM	4.5% -3.5% YoY-5.8% QoQ	+0.9%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 9.6% in tier
Efficiency Ratio	75.9% -8.6% YoY-15.8% QoQ	-2.1%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	1.9% -4.3% YoY-28.5% QoQ	+1.1	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 6.0% in tier
Loan To Share	89.9% +14.2% YoY-0.4% QoQ	+19.5%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 11.6% in tier
AMR	$24,458 -5.1% YoY-2.8% QoQ	$-460	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	58%
CD Concentration	31.1% +2.7% YoY-5.9% QoQ	+6.8%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#272 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.45%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Shrinking Wallet Share

decline

#62 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -5.07%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Capital Constraint

risk

#7 of 16 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 89.89%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -9.38%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 9.05%

(Tier: 11.91%, National: 14.35%)

worse than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

Deposit Outflow

decline

#30 of 72 • Bottom 50.0% 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): -9.38%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.45%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 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 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $542.25

Peer Median: $154.95

#9 of 1070 Top 0.7% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.30%

Peer Median: 29.47%

#19 of 1070 Top 1.7% in 100M-500M tier

103

Net Interest Margin (NIM)

profitability

Value: 4.51%

Peer Median: 3.62%

#103 of 1070 Top 9.5% in 100M-500M tier

124

Loan-to-Share Ratio

balance_sheet

Value: 89.89%

Peer Median: 71.88%

#124 of 1070 Top 11.5% in 100M-500M tier

Top Weaknesses (13 metrics)

1067

Return on Assets (ROA)

profitability

Value: -2.31%

Peer Median: 0.69%

#1067 of 1070 Bottom 0.4% in 100M-500M tier

1061

Deposit Growth Rate

growth

Value: -9.38%

Peer Median: 3.30%

#1061 of 1070 Bottom 0.9% in 100M-500M tier

1061

Total Assets

balance_sheet

Value: $100.92M

Peer Median: $196.57M

#1061 of 1070 Bottom 0.9% in 100M-500M tier

1059

Asset Growth Rate

growth

Value: -8.84%

Peer Median: 3.91%

#1059 of 1070 Bottom 1.1% in 100M-500M tier

1045

Total Deposits

balance_sheet

Value: $89.21M

Peer Median: $171.29M

#1045 of 1070 Bottom 2.4% in 100M-500M tier

1020

Members Per Employee (MPE)

engagement

Value: 203.706

Peer Median: 309.176

#1020 of 1070 Bottom 4.8% in 100M-500M tier

1019

Net Charge-Off Rate

risk

Value: 1.40%

Peer Median: 0.35%

#1019 of 1070 Bottom 4.9% in 100M-500M tier

1013

AMR Growth Rate

growth

Value: -5.07%

Peer Median: 3.46%

#1013 of 1070 Bottom 5.4% in 100M-500M tier

1007

Total Delinquency Rate (60+ days)

risk

Value: 1.91%

Peer Median: 0.61%

#1007 of 1070 Bottom 6.0% in 100M-500M tier

953

Total Members

engagement

Value: 6,926

Peer Median: 13,200

#953 of 1070 Bottom 11.0% in 100M-500M tier