BlastPoint's Credit Union Scorecard
UNITED HERITAGE
Charter #68251 · TX
UNITED HERITAGE has 3 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 37.1% in tier
- + Organic Growth Engine: Top 37.1% in tier
- + Emerging Performer: Top 50.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.2% in tier
- - Liquidity Strain: Bottom 28.7% in tier
- - Credit Risk Growth: Bottom 77.1% in tier
- - Shrinking Wallet Share: Bottom 85.0% in tier
- - Efficiency ratio 2.82% above tier (higher cost structure)
- - Delinquency rate 0.37% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,638
+3.3% YoY+0.9% QoQ
|
-12.4K |
96,048
-2.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$1.7B
+3.9% YoY+1.1% QoQ
|
$-39.3M |
$1.7B
+0.4% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$1.2B
+1.0% YoY-0.5% QoQ
|
+$32.2M |
$1.2B
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$1.3B
+2.5% YoY+0.6% QoQ
|
$-122.4M |
$1.5B
+0.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
53% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+23.7% YoY-5.8% QoQ
|
+0.0% |
0.7%
+27.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
52% |
| NIM |
3.0%
+3.1% YoY+1.0% QoQ
|
-0.3% |
3.4%
+6.2% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
77.5%
-3.4% YoY+2.5% QoQ
|
+2.8% |
74.6%
-3.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
1.1%
+21.3% YoY+20.6% QoQ
|
+0.4 |
0.8%
+6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
92.8%
-1.4% YoY-1.1% QoQ
|
+9.6% |
83.2%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$30,955
-1.5% YoY-0.9% QoQ
|
+$1K |
$29,652
+2.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
26.6%
+5.7% YoY-1.3% QoQ
|
-2.3% | 28.8% | 21.3% | 19.8% | 42% |
| Indirect Auto % |
10.1%
-20.8% YoY-7.3% QoQ
|
-8.0% | 18.1% | 6.9% | 7.7% | 38% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)