BlastPoint's Credit Union Scorecard

UNITED HERITAGE

Charter #68251 · TX

Mid-Market 1B-3B

United Heritage at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

United Heritage is one of 101 credit unions in the 2026 VentureTech card set. We also found United Heritage's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

United Heritage

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UNITED HERITAGE
PEER · AT VENTURETECH
PEER · AT VENTURETECH
UNITED HERITAGE'S BIGGEST OPPORTUNITY

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

View Mid-Market leaderboard →

UNITED HERITAGE has 1 strength 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

+ 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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

Want to see an example first? Preview Navy Federal's scorecard →

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