BlastPoint's Credit Union Scorecard

HERITAGE COMMUNITY

Charter #68395 · CA

1069 CUs in 100M-500M nationally 63 in CA

HERITAGE COMMUNITY has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 20.2% in tier
+ Wallet Share Momentum: Top 38.7% in tier
+ Loan-to-Member Ratio (LMR): Top 1.7% in tier
+ Loan-to-Share Ratio: Top 2.6% in tier
+ Average Member Relationship (AMR): Top 2.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 16.3% in tier
- Membership Headwinds: Bottom 50.3% in tier
- Stagnation Risk: Bottom 78.3% in tier
- Efficiency Drag: Bottom 96.7% in tier
- ROA 0.56% below tier average
- Efficiency ratio 3.27% above tier (higher cost structure)
- Member decline: -2.7% YoY
- Members Per Employee (MPE): Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	10,234 -2.7% YoY-0.4% QoQ	-5.2K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	32%
Assets	$278.5M +3.9% YoY+0.3% QoQ	+$46.6M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	70%
Loans	$248.5M +7.7% YoY+8.7% QoQ	+$101.1M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	Top 14.3% in tier
Deposits	$248.2M +4.1% YoY+0.4% QoQ	+$47.3M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	71%

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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	0.2% -72.4% YoY-11.9% QoQ	-0.6%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 12.9% in tier
NIM	3.3% +1.4% YoY+0.2% QoQ	-0.3%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	30%
Efficiency Ratio	80.3% +19.0% YoY+1.4% QoQ	+3.3%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	61%
Delinquency Rate	0.6% -13.2% YoY-0.3% QoQ	-0.3	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	44%
Loan To Share	100.1% +3.5% YoY+8.2% QoQ	+27.9%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Top 2.7% in tier
AMR	$48,527 +8.8% YoY+4.8% QoQ	+$24K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 2.7% in tier
CD Concentration	24.8% +20.5% YoY+0.2% QoQ	+0.3%	24.4%	21.7%	19.8%	50%
Indirect Auto %	14.8% -24.9% YoY-12.3% QoQ	+1.1%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#55 of 268 • Top 20.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.79%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $6.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#199 of 513 • Top 38.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.79%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Concerns (4)

Liquidity Strain

risk

#38 of 228 • Bottom 16.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 100.13%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.73%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Membership Headwinds

decline

#279 of 554 • Bottom 50.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.68%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#434 of 554 • Bottom 78.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.68%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 7.73%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.64%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#520 of 538 • Bottom 96.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.28%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.52% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.68%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (5 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $24,279

Peer Median: -

#19 of 1069 Top 1.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 100.13%

Peer Median: -

#29 of 1069 Top 2.6% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $48,527

Peer Median: -

#29 of 1069 Top 2.6% in 100M-500M tier

153

Total Loans

balance_sheet

Value: $248.47M

Peer Median: -

#153 of 1069 Top 14.2% in 100M-500M tier

157

AMR Growth Rate

growth

Value: 8.79%

Peer Median: -

#157 of 1069 Top 14.6% in 100M-500M tier

Top Weaknesses (4 metrics)

968

Members Per Employee (MPE)

engagement

Value: 222.478

Peer Median: -

#968 of 1069 Bottom 9.5% in 100M-500M tier

931

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Median: -

#931 of 1069 Bottom 13.0% in 100M-500M tier

841

Member Growth Rate

growth

Value: -2.68%

Peer Median: -

#841 of 1069 Bottom 21.4% in 100M-500M tier

808

Net Worth Ratio

risk

Value: 9.83%

Peer Median: -

#808 of 1069 Bottom 24.5% in 100M-500M tier