BlastPoint's Credit Union Scorecard
UNITED HERITAGE
Charter #68251 · TX
UNITED HERITAGE has 4 strengths but faces 4 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 53.9% in tier
- + Organic Growth Engine: Top 54.9% in tier
- + Emerging Performer: Top 76.3% in tier
- + ROA 0.04% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 70.5% in tier
- - Liquidity Strain: Bottom 87.3% in tier
- - Efficiency ratio 1.51% above tier (higher cost structure)
- - Delinquency rate 0.03% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
82,873
+3.1% YoY+0.8% QoQ
|
-14.6K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$1.7B
+3.9% YoY+0.7% QoQ
|
$-61.7M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$1.3B
+0.3% YoY-0.1% QoQ
|
+$18.3M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$1.3B
+2.6% YoY+2.6% QoQ
|
$-123.6M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.7%
+43.9% YoY-2.1% QoQ
|
+0.0% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.0%
+7.2% YoY-1.0% QoQ
|
-0.3% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
75.6%
-6.4% YoY+0.4% QoQ
|
+1.5% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.9%
-0.9% YoY-4.7% QoQ
|
+0.0 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
93.8%
-2.3% YoY-2.6% QoQ
|
+9.0% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$31,233
-1.6% YoY+0.4% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
26.9%
+6.7% YoY+1.5% QoQ
|
-2.1% | 29.0% | 21.2% | 19.8% | 41% |
| Indirect Auto % |
10.9%
-16.7% YoY-6.1% QoQ
|
-7.4% | 18.3% | 7.1% | 7.8% | 39% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)