BlastPoint's Credit Union Scorecard
HERITAGE SOUTH
Charter #68586 · AL
HERITAGE SOUTH has 1 strength but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.72% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.4% in tier
- - Shrinking Wallet Share: Bottom 19.4% in tier
- - Accelerating Exit Risk: Bottom 19.5% in tier
- - Membership Headwinds: Bottom 30.0% in tier
- - Institutional Decline: Bottom 31.4% in tier
- - Stagnation Risk: Bottom 32.5% in tier
- - Deposit Outflow: Bottom 53.8% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 10.70% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 6.3% in tier
- - Asset Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,544
-0.8% YoY+0.1% QoQ
|
-84 |
15,628
-3.4% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$180.2M
-2.4% YoY+2.2% QoQ
|
$-51.1M |
$231.3M
-0.0% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$130.8M
-0.9% YoY-1.1% QoQ
|
$-17.0M |
$147.8M
-1.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$163.4M
-3.1% YoY+6.4% QoQ
|
$-36.9M |
$200.3M
-0.0% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
47% |
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 |
0.3%
+21.0% YoY+140.9% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
4.3%
+20.8% YoY+0.5% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Top 13.7% in tier |
| Efficiency Ratio |
88.0%
-3.5% YoY-3.6% QoQ
|
+10.7% |
77.3%
-3.0% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 14.7% in tier |
| Delinquency Rate |
0.7%
-4.8% YoY+28.8% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
80.0%
+2.3% YoY-7.0% QoQ
|
+7.3% |
72.7%
-1.5% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$18,928
-1.3% YoY+2.9% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
27.1%
-20.8% YoY+12.1% QoQ
|
+2.7% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
7.5%
-3.7% YoY-4.4% QoQ
|
-6.5% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (7)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)