BlastPoint's Credit Union Scorecard

HERITAGE SOUTH COMMUNITY CU

Charter #67748 · TN

100M-500M

1070 CUs in 100M-500M nationally 25 in TN

HERITAGE SOUTH COMMUNITY CU has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 1.29% above tier average
+ Net Interest Margin 1.07% above tier average
+ Strong member growth: 5.4% YoY
+ Total Members: Top 2.5% in tier
+ Net Worth Ratio: Top 7.6% in tier
+ Member Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	36,074 +5.4% YoY+1.2% QoQ	+20.9K	15,145 -2.5% YoY	21,412 +3.7% YoY	33,913 +5.7% YoY	Top 2.6% in tier
Assets	$359.9M +4.1% YoY+0.5% QoQ	+$128.2M	$231.7M +0.8% YoY	$379.6M +8.7% YoY	$578.3M +9.0% YoY	83%
Loans	$267.1M +7.6% YoY-0.6% QoQ	+$123.0M	$144.1M +0.2% YoY	$279.0M +7.7% YoY	$402.4M +8.7% YoY	Top 9.8% in tier
Deposits	$297.8M +5.9% YoY+0.3% QoQ	+$96.7M	$201.1M +0.4% YoY	$319.1M +8.0% YoY	$494.3M +9.1% YoY	81%

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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	2.0% +24.9% YoY+57.4% QoQ	+1.3%	0.7% +5.1% YoY	0.6% -5.0% YoY	0.4% -39.2% YoY	Top 3.4% in tier
NIM	4.7% +6.9% YoY+6.1% QoQ	+1.1%	3.6% +4.6% YoY	3.9% +5.1% YoY	3.8% +4.1% YoY	Top 6.5% in tier
Efficiency Ratio	67.5% -2.1% YoY-7.6% QoQ	-10.5%	78.0% -1.7% YoY	79.6% +1.7% YoY	84.6% +2.8% YoY	20%
Delinquency Rate	0.4% +12.2% YoY+6.1% QoQ	-0.3	0.8% +7.1% YoY	0.9% -14.5% YoY	1.2% +3.4% YoY	34%
Loan To Share	89.7% +1.6% YoY-0.9% QoQ	+19.3%	70.4% -0.4% YoY	68.3% -1.5% YoY	65.6% -1.4% YoY	Top 11.8% in tier
AMR	$15,661 +1.2% YoY-1.3% QoQ	$-9K	$24,918 +2.7% YoY	$18,957 +3.0% YoY	$19,920 +1.6% YoY	Bottom 11.7% in tier
CD Concentration	34.2% +10.3% YoY-2.0% QoQ	+10.0%	24.3%	22.3%	19.8%	50%
Indirect Auto %	6.8% +54.9% YoY+3.7% QoQ	-7.0%	13.8%	6.8%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#29 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.35%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 2.02%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 6.83%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#68 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): 5.35%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 6.83%

(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)

Credit Risk Growth

risk

#323 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 7.56%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#596 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Liquidity Overhang

risk

#117 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.76%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 89.70%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

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 (12 metrics)

Total Members

engagement

Value: 36,074

Peer Median: 13,200

#28 of 1070 Top 2.5% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.02%

Peer Median: 0.69%

#36 of 1070 Top 3.3% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.70%

Peer Median: 3.62%

#70 of 1070 Top 6.4% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.76%

Peer Median: 11.45%

#82 of 1070 Top 7.6% in 100M-500M tier

Member Growth Rate

growth

Value: 5.35%

Peer Median: -0.06%

#98 of 1070 Top 9.1% in 100M-500M tier

105

Total Loans

balance_sheet

Value: $267.14M

Peer Median: $121.41M

#105 of 1070 Top 9.7% in 100M-500M tier

126

Loan-to-Share Ratio

balance_sheet

Value: 89.70%

Peer Median: 71.88%

#126 of 1070 Top 11.7% in 100M-500M tier

178

Total Assets

balance_sheet

Value: $359.91M

Peer Median: $196.57M

#178 of 1070 Top 16.5% in 100M-500M tier

204

Members Per Employee (MPE)

engagement

Value: 405.326

Peer Median: 309.176

#204 of 1070 Top 19.0% in 100M-500M tier

207

Total Deposits

balance_sheet

Value: $297.82M

Peer Median: $171.29M

#207 of 1070 Top 19.3% in 100M-500M tier

Top Weaknesses (2 metrics)

945

Average Member Relationship (AMR)

engagement

Value: $15,661

Peer Median: $22,931

#945 of 1070 Bottom 11.8% in 100M-500M tier

894

Share Certificate Concentration (%)

balance_sheet

Value: 34.25%

Peer Median: 23.10%

#894 of 1070 Bottom 16.5% in 100M-500M tier