BlastPoint's Credit Union Scorecard
UNITED HERITAGE
Charter #68251 · TX
UNITED HERITAGE has 4 strengths but faces 5 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 Engine: Top 20.6% in tier
- + Organic Growth Leader: Top 21.7% in tier
- + Emerging Performer: Top 74.7% in tier
- + ROA 0.04% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 15.8% in tier
- - Credit Quality Pressure: Bottom 20.1% in tier
- - Liquidity Strain: Bottom 26.7% in tier
- - Efficiency ratio 1.27% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
82,181
+2.6% YoY+1.1% QoQ
|
-16.5K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$1.7B
+4.0% YoY+1.6% QoQ
|
$-69.5M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$1.3B
-0.6% YoY+1.0% QoQ
|
+$20.3M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$1.3B
+0.9% YoY-0.3% QoQ
|
$-152.2M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
50% |
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%
+53.4% YoY+36.8% QoQ
|
+0.0% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
3.1%
+7.9% YoY+0.9% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
31% |
| Efficiency Ratio |
75.2%
-7.7% YoY-5.2% QoQ
|
+1.3% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.0%
+6.5% YoY-0.3% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
96.3%
-1.4% YoY+1.3% QoQ
|
+11.1% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$31,095
-2.3% YoY-0.8% QoQ
|
+$2K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
26.5%
+5.0% YoY+1.8% QoQ
|
-2.4% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
41% |
| Indirect Auto % |
11.6%
-14.4% YoY-2.6% QoQ
|
-7.1% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
40% |
Signature Analysis
Strengths (3)
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.
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 (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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.
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)