BlastPoint's Credit Union Scorecard
HERITAGE SOUTH COMMUNITY CU
Charter #67748 · TN
HERITAGE SOUTH COMMUNITY CU has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.7% in tier
- + Organic Growth Leader: Top 9.1% in tier
- + Profitability Leader: Top 45.4% in tier
- + Credit Quality Leader: Top 89.4% in tier
- + ROA 0.71% above tier average
- + Net Interest Margin 0.81% above tier average
- + Total Members: Top 4.2% in tier
- + Net Worth Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 2.4% in tier
- - Credit Risk Growth: Bottom 22.5% in tier
- - Credit Quality Pressure: Bottom 26.4% in tier
- - Liquidity Strain: Bottom 27.5% in tier
- - Liquidity Overhang: Bottom 94.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,203
+3.9% YoY+1.4% QoQ
|
+19.6K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Top 4.3% in tier |
| Assets |
$361.7M
+8.2% YoY+2.9% QoQ
|
+$130.4M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$261.1M
+7.2% YoY+1.5% QoQ
|
+$113.3M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Top 11.8% in tier |
| Deposits |
$289.2M
+8.4% YoY+3.0% QoQ
|
+$88.9M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
1.5%
-22.4% YoY-5.2% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 12.3% in tier |
| NIM |
4.4%
-0.4% YoY+0.2% QoQ
|
+0.8% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 11.8% in tier |
| Efficiency Ratio |
68.9%
+3.3% YoY+1.4% QoQ
|
-8.4% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.4%
+8.8% YoY-24.2% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
90.3%
-1.1% YoY-1.4% QoQ
|
+17.6% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
85% |
| AMR |
$15,632
+3.8% YoY+0.9% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.3% in tier |
| CD Concentration |
33.6%
+10.1% YoY+2.7% QoQ
|
+9.2% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
6.1%
+33.7% YoY+32.0% QoQ
|
-7.9% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)