BlastPoint's Credit Union Scorecard

HERITAGE SOUTH COMMUNITY CU

Charter #67748 · TN

1069 CUs in 100M-500M nationally 25 in TN

HERITAGE SOUTH COMMUNITY CU has 7 strengths but faces 5 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 14.1% in tier
+ Organic Growth Leader: Top 29.2% in tier
+ Wallet Share Momentum: Top 88.1% in tier
+ ROA 0.52% above tier average
+ Net Interest Margin 0.82% above tier average
+ Total Members: Top 3.5% in tier
+ Net Worth Ratio: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 13.1% in tier
- Credit Risk Growth: Bottom 48.1% in tier
- Credit Quality Pressure: Bottom 74.0% in tier
- Liquidity Strain: Bottom 76.2% in tier
- Liquidity Overhang: Bottom 97.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	35,653 +4.1% YoY+1.3% QoQ	+20.2K	15,437 -2.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	Top 3.6% in tier
Assets	$358.2M +6.0% YoY-1.0% QoQ	+$126.4M	$231.9M +1.3% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	83%
Loans	$268.9M +9.5% YoY+3.0% QoQ	+$121.5M	$147.3M -0.1% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	Top 10.4% in tier
Deposits	$296.9M +10.2% YoY+2.7% QoQ	+$96.1M	$200.8M +0.8% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	81%

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	1.3% -19.9% YoY-14.1% QoQ	+0.5%	0.8% +18.2% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	84%
NIM	4.4% +1.1% YoY+0.9% QoQ	+0.8%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	Top 11.0% in tier
Efficiency Ratio	73.0% +2.3% YoY+6.0% QoQ	-4.0%	77.0% -3.1% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	33%
Delinquency Rate	0.4% +32.0% YoY+13.2% QoQ	-0.5	0.9% +4.2% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	23%
Loan To Share	90.6% -0.6% YoY+0.3% QoQ	+18.3%	72.2% -1.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	Top 13.0% in tier
AMR	$15,870 +5.6% YoY+1.5% QoQ	$-9K	$24,676 +3.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	Bottom 12.3% in tier
CD Concentration	34.9% +9.9% YoY+4.1% QoQ	+10.5%	24.4%	22.4%	19.8%	50%
Indirect Auto %	6.6% +47.5% YoY+8.0% QoQ	-7.2%	13.8%	6.7%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#85 of 595 • Top 14.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.05%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.28%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 6.58%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#125 of 426 • Top 29.2% in tier

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

Why This Signature

Member Growth (YoY): 4.05%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 6.58%

(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

Wallet Share Momentum

growth

#452 of 513 • Top 88.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.61%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Margin Compression

decline

#17 of 123 • Bottom 13.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.28%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.60%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.32% points

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

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Credit Risk Growth

risk

#220 of 456 • Bottom 48.1% in tier

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

Why This Signature

Loan Growth (YoY): 9.53%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.10% 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

Credit Quality Pressure

risk

#522 of 705 • Bottom 74.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.10% 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 | New qualifier

Liquidity Strain

risk

#174 of 228 • Bottom 76.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.55%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 9.53%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

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

↓ Shrinking -37 CUs YoY | Rank improving

Liquidity Overhang

risk

#131 of 135 • Bottom 97.0% in tier

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

Why This Signature

Net Worth Ratio: 16.42%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 90.55%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 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 1069 peers in tier

Top Strengths (13 metrics)

Total Members

engagement

Value: 35,653

Peer Median: -

#38 of 1069 Top 3.5% in 100M-500M tier

105

Net Worth Ratio

risk

Value: 16.42%

Peer Median: -

#105 of 1069 Top 9.7% in 100M-500M tier

111

Total Loans

balance_sheet

Value: $268.88M

Peer Median: -

#111 of 1069 Top 10.3% in 100M-500M tier

118

Net Interest Margin (NIM)

profitability

Value: 4.43%

Peer Median: -

#118 of 1069 Top 10.9% in 100M-500M tier

128

Deposit Growth Rate

growth

Value: 10.22%

Peer Median: -

#128 of 1069 Top 11.9% in 100M-500M tier

139

Loan-to-Share Ratio

balance_sheet

Value: 90.55%

Peer Median: -

#139 of 1069 Top 12.9% in 100M-500M tier

146

Member Growth Rate

growth

Value: 4.05%

Peer Median: -

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

174

Return on Assets (ROA)

profitability

Value: 1.28%

Peer Median: -

#174 of 1069 Top 16.2% in 100M-500M tier

183

Total Assets

balance_sheet

Value: $358.25M

Peer Median: -

#183 of 1069 Top 17.0% in 100M-500M tier

186

Loan Growth Rate

growth

Value: 9.53%

Peer Median: -

#186 of 1069 Top 17.3% in 100M-500M tier

Top Weaknesses (2 metrics)

938

Average Member Relationship (AMR)

engagement

Value: $15,870

Peer Median: -

#938 of 1069 Bottom 12.3% in 100M-500M tier

909

Share Certificate Concentration (%)

balance_sheet

Value: 34.93%

Peer Median: -

#909 of 1069 Bottom 15.1% in 100M-500M tier