BlastPoint's Credit Union Scorecard

HERITAGE SOUTH COMMUNITY CU

Charter #67748 · TN

100M-500M

1024 CUs in 100M-500M nationally 25 in TN

HERITAGE SOUTH COMMUNITY CU has 8 strengths but faces 4 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 1.03% above tier average
+ Net Interest Margin 1.06% above tier average
+ Strong member growth: 5.1% YoY
+ Total Members: Top 2.6% in tier
+ Net Worth Ratio: Top 8.5% in tier
+ Member Growth Rate: Top 9.0% 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 Strain: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 25 that size in Tennessee.
Shares and deposits +6.2% year over year ($298M in shares and deposits).
Membership: 36,500 members, +5.1% vs a year ago.
Delinquency rate 0.75%.
Return on assets 1.89%.
Efficiency ratio 68.14% vs a 76.73% peer average.
Loan-to-share ratio 91.46% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	36,500 +5.1% YoY+1.2% QoQ	+21.3K	15,168 -2.6% YoY	22,058 +4.8% YoY	34,678 +6.6% YoY	Top 2.7% in tier
Assets	$361.9M +2.9% YoY+0.5% QoQ	+$129.9M	$232.0M +0.7% YoY	$390.3M +9.5% YoY	$593.1M +10.2% YoY	83%
Loans	$272.7M +6.0% YoY+2.1% QoQ	+$126.4M	$146.3M +0.2% YoY	$289.3M +8.5% YoY	$418.6M +10.1% YoY	Top 10.3% in tier
Deposits	$298.1M +6.2% YoY+0.1% QoQ	+$97.4M	$200.7M +0.2% YoY	$326.4M +8.9% YoY	$504.8M +10.3% 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	1.9% +20.2% YoY-6.1% QoQ	+1.0%	0.9% +12.5% YoY	1.1% +46.9% YoY	1.2% +121.4% YoY	Top 4.5% in tier
NIM	4.7% +8.3% YoY+1.0% QoQ	+1.1%	3.7% +4.5% YoY	3.9% +2.1% YoY	3.8% +2.3% YoY	Top 6.8% in tier
Efficiency Ratio	68.1% +0.2% YoY+1.0% QoQ	-8.6%	76.7% -0.8% YoY	78.9% +2.6% YoY	83.0% -5.3% YoY	22%
Delinquency Rate	0.7% +58.7% YoY+74.3% QoQ	-0.1	0.9% +6.6% YoY	1.1% -1.7% YoY	1.3% +2.6% YoY	53%
Loan To Share	91.5% -0.2% YoY+2.0% QoQ	+19.9%	71.5% -0.3% YoY	68.7% -1.7% YoY	66.4% -1.4% YoY	Top 11.9% in tier
AMR	$15,638 +1.0% YoY-0.1% QoQ	$-9K	$25,107 +3.2% YoY	$19,228 +3.5% YoY	$20,028 -0.9% YoY	Bottom 11.5% in tier
CD Concentration	33.3% +2.0% YoY-2.7% QoQ	+8.8%	24.6%	22.4%	20.0%	50%
Indirect Auto %	6.4% +38.5% YoY-6.4% QoQ	-7.2%	13.6%	6.8%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#30 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.10%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.89%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 6.39%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#66 of 342 • 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): 5.10%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 6.39%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#173 of 472 • 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): 6.01%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.28% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#274 of 693 • 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): 0.28% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Liquidity Strain

risk

#184 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.46%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 6.01%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Liquidity Overhang

risk

#126 of 130 • 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: 17.08%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 91.46%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 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 1024 peers in tier

Top Strengths (11 metrics)

Total Members

engagement

Value: 36,500

Peer Median: 13,128

#28 of 1024 Top 2.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.89%

Peer Median: 0.75%

#46 of 1024 Top 4.4% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.75%

Peer Median: 3.67%

#70 of 1024 Top 6.7% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.08%

Peer Median: 11.71%

#88 of 1024 Top 8.5% in 100M-500M tier

Member Growth Rate

growth

Value: 5.10%

Peer Median: -0.03%

#93 of 1024 Top 9.0% in 100M-500M tier

105

Total Loans

balance_sheet

Value: $272.66M

Peer Median: $124.04M

#105 of 1024 Top 10.2% in 100M-500M tier

122

Loan-to-Share Ratio

balance_sheet

Value: 91.46%

Peer Median: 73.07%

#122 of 1024 Top 11.8% in 100M-500M tier

170

Total Assets

balance_sheet

Value: $361.87M

Peer Median: $196.38M

#170 of 1024 Top 16.5% in 100M-500M tier

171

Members Per Employee (MPE)

engagement

Value: 414.773

Peer Median: 310.924

#171 of 1024 Top 16.6% in 100M-500M tier

192

Total Deposits

balance_sheet

Value: $298.13M

Peer Median: $170.77M

#192 of 1024 Top 18.7% in 100M-500M tier

Top Weaknesses (2 metrics)

906

Average Member Relationship (AMR)

engagement

Value: $15,638

Peer Median: $23,006

#906 of 1024 Bottom 11.6% in 100M-500M tier

825

Share Certificate Concentration (%)

balance_sheet

Value: 33.33%

Peer Median: 23.39%

#825 of 1024 Bottom 19.5% in 100M-500M tier