BlastPoint's Credit Union Scorecard

HERITAGE SOUTH

Charter #68586 · AL

1069 CUs in 100M-500M nationally 19 in AL

HERITAGE SOUTH has 1 strength but faces 7 concerns

National Analysis

How does the industry compare?

AL Analysis

How does AL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.51% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 17.1% in tier
- Credit Quality Pressure: Bottom 65.3% in tier
- Stagnation Risk: Bottom 77.0% in tier
- Membership Headwinds: Bottom 89.9% in tier
- Institutional Decline: Bottom 93.7% in tier
- ROA 0.42% below tier average
- Efficiency ratio 11.17% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Members	15,490 -0.9% YoY-0.3% QoQ	+52	15,437 -2.9% YoY	27,849 -7.3% YoY	33,374 +5.7% YoY	60%
Assets	$183.9M +1.4% YoY+2.1% QoQ	$-48.0M	$231.9M +1.3% YoY	$442.6M +8.5% YoY	$561.6M +9.7% YoY	45%
Loans	$131.5M -1.4% YoY+0.5% QoQ	$-15.9M	$147.3M -0.1% YoY	$260.4M +7.2% YoY	$397.0M +8.8% YoY	54%
Deposits	$166.8M +0.8% YoY+2.0% QoQ	$-34.0M	$200.8M +0.8% YoY	$387.0M +6.9% YoY	$477.3M +9.7% YoY	48%

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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	0.3% +146.4% YoY+4.5% QoQ	-0.4%	0.8% +18.2% YoY	0.7% +32.7% YoY	0.7% +15.9% YoY	21%
NIM	4.1% +16.1% YoY-4.6% QoQ	+0.5%	3.6% +6.7% YoY	3.7% +4.6% YoY	3.8% +5.1% YoY	78%
Efficiency Ratio	88.2% -5.5% YoY+0.2% QoQ	+11.2%	77.0% -3.1% YoY	78.3% -5.6% YoY	79.7% -3.3% YoY	Top 13.7% in tier
Delinquency Rate	0.6% +25.5% YoY-7.9% QoQ	-0.3	0.9% +4.2% YoY	1.7% +25.2% YoY	1.3% -2.1% YoY	43%
Loan To Share	78.8% -2.1% YoY-1.5% QoQ	+6.6%	72.2% -1.1% YoY	60.7% -1.8% YoY	67.4% -1.7% YoY	61%
AMR	$19,255 +0.7% YoY+1.7% QoQ	$-5K	$24,676 +3.4% YoY	$17,441 +4.4% YoY	$19,687 +2.0% YoY	29%
CD Concentration	29.2% -10.5% YoY+7.9% QoQ	+4.8%	24.4%	21.2%	19.8%	50%
Indirect Auto %	7.0% -13.5% YoY-6.0% QoQ	-6.8%	13.8%	5.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#93 of 538 • Bottom 17.1% in tier

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

Why This Signature

Efficiency Ratio: 88.19%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.20% points

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

but better than tier avg

Member Growth (YoY): -0.88%

(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 | Rank improving

Credit Quality Pressure

risk

#461 of 705 • Bottom 65.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk

#427 of 554 • Bottom 77.0% 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): -0.88%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.35%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.62%

(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

Membership Headwinds

decline

#498 of 554 • Bottom 89.9% in tier

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

Why This Signature

Member Growth (YoY): -0.88%

(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

Institutional Decline

decline

#225 of 240 • Bottom 93.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $183.86M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -0.88%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.35%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | 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 (2 metrics)

235

Net Interest Margin (NIM)

profitability

Value: 4.11%

Peer Median: -

#235 of 1069 Top 21.9% in 100M-500M tier

239

Fee Income Per Member

profitability

Value: $223.25

Peer Median: -

#239 of 1069 Top 22.3% in 100M-500M tier

Top Weaknesses (8 metrics)

924

Efficiency Ratio

profitability

Value: 88.19%

Peer Median: -

#924 of 1069 Bottom 13.7% in 100M-500M tier

879

Members Per Employee (MPE)

engagement

Value: 245.873

Peer Median: -

#879 of 1069 Bottom 17.9% in 100M-500M tier

846

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: -

#846 of 1069 Bottom 21.0% in 100M-500M tier

841

Deposit Growth Rate

growth

Value: 0.77%

Peer Median: -

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

841

First Mortgage Concentration (%)

balance_sheet

Value: 43.69%

Peer Median: -

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

828

Asset Growth Rate

growth

Value: 1.39%

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier

817

AMR Growth Rate

growth

Value: 0.71%

Peer Median: -

#817 of 1069 Bottom 23.7% in 100M-500M tier

805

Net Worth Ratio

risk

Value: 9.84%

Peer Median: -

#805 of 1069 Bottom 24.8% in 100M-500M tier