BlastPoint's Credit Union Scorecard

UNITED HERITAGE

Charter #68251 · TX

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 27 in TX

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UNITED HERITAGE has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 36.6% in tier
+ Organic Growth Engine: Top 36.6% in tier
+ Emerging Performer: Top 77.1% in tier
+ Fee Income Per Member: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 17.7% in tier
- Liquidity Strain: Bottom 36.3% in tier
- Shrinking Wallet Share: Bottom 87.4% in tier
- ROA 0.31% below tier average
- Efficiency ratio 6.53% above tier (higher cost structure)
- Delinquency rate 0.36% above tier average

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
Shares and deposits +2.5% year over year ($1.34B in shares and deposits).
Membership: 84,014 members, +3.4% vs a year ago.
Delinquency rate 1.22%.
Return on assets 0.51%.
Efficiency ratio 79.55% vs a 73.02% peer average.
Loan-to-share ratio 92.80% vs a 84.71% 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 (TX)	National Avg	Tier Percentile
Members	84,014 +3.4% YoY+0.4% QoQ	-12.8K	96,861 -1.9% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	47%
Assets	$1.7B +5.2% YoY+1.6% QoQ	$-16.2M	$1.7B +0.4% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	59%
Loans	$1.2B +0.1% YoY-0.2% QoQ	+$8.8M	$1.2B +0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	61%
Deposits	$1.3B +2.5% YoY-0.3% QoQ	$-123.8M	$1.5B +0.5% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	53%

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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	0.5% -5.2% YoY-24.9% QoQ	-0.3%	0.8% +27.6% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	24%
NIM	3.1% +1.9% YoY+1.0% QoQ	-0.3%	3.4% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	26%
Efficiency Ratio	79.5% +0.3% YoY+2.7% QoQ	+6.5%	73.0% -2.7% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	78%
Delinquency Rate	1.2% +24.9% YoY+8.9% QoQ	+0.4	0.9% +7.3% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	79%
Loan To Share	92.8% -2.4% YoY+0.0% QoQ	+8.1%	84.7% +0.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	68%
AMR	$30,739 -1.9% YoY-0.7% QoQ	+$1K	$29,575 +1.5% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	63%
CD Concentration	26.9% +3.2% YoY+1.1% QoQ	-2.2%	29.1%	21.6%	20.0%	42%
Indirect Auto %	9.2% -22.9% YoY-9.1% QoQ	-8.9%	18.1%	6.9%	7.7%	35%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#63 of 112 • Top 36.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.37%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 9.20%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Organic Growth Engine

growth

#96 of 113 • Top 36.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.37%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.51%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 9.20%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Emerging Performer

growth

#70 of 82 • Top 77.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.51%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 3.37%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#66 of 215 • Bottom 17.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#48 of 69 • Bottom 87.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.94%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY

Liquidity Strain

risk

#157 of 168 • Bottom 36.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.80%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 0.12%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 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 300 peers in tier

Top Strengths (1 metrics)

Fee Income Per Member

profitability

Value: $330.24

Peer Median: $204.73

#26 of 300 Top 8.3% in 1B-3B tier

Top Weaknesses (5 metrics)

260

AMR Growth Rate

growth

Value: -1.94%

Peer Median: 3.19%

#260 of 300 Bottom 13.7% in 1B-3B tier

246

Loan Growth Rate

growth

Value: 0.12%

Peer Median: 5.71%

#246 of 300 Bottom 18.3% in 1B-3B tier

237

Total Delinquency Rate (60+ days)

risk

Value: 1.22%

Peer Median: 0.70%

#237 of 300 Bottom 21.3% in 1B-3B tier

234

Efficiency Ratio

profitability

Value: 79.55%

Peer Median: 73.62%

#234 of 300 Bottom 22.3% in 1B-3B tier

229

Return on Assets (ROA)

profitability

Value: 0.51%

Peer Median: 0.77%

#229 of 300 Bottom 24.0% in 1B-3B tier