BlastPoint's Credit Union Scorecard
MEMBERS HERITAGE
Charter #68661 · KY
MEMBERS HERITAGE has 3 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does KY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Members Per Employee (MPE): Top 1.8% in tier
- + Total Members: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 32.3% in tier
- - Credit Quality Pressure: Bottom 52.0% in tier
- - Fee Income Per Member: Bottom 2.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.4% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,440
+0.1% YoY-0.2% QoQ
|
+15.9K |
38,575
-4.8% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 6.1% in tier |
| Assets |
$564.0M
+5.2% YoY+1.0% QoQ
|
$-57.7M |
$621.7M
+0.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$363.9M
-0.5% YoY+0.6% QoQ
|
$-65.9M |
$429.8M
-1.8% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$490.8M
+4.9% YoY+1.2% QoQ
|
$-47.9M |
$538.7M
+0.6% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.8%
-4.6% YoY-2.9% QoQ
|
+0.2% |
0.7%
+42.9% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
2.7%
-22.0% YoY-25.3% QoQ
|
-0.8% |
3.4%
+8.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio |
69.7%
-7.2% YoY-5.6% QoQ
|
-7.8% |
77.5%
-4.1% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.4%
+95.5% YoY+12.5% QoQ
|
-0.4 |
0.8%
-1.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
74.1%
-5.1% YoY-0.6% QoQ
|
-5.7% |
79.8%
-2.3% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$15,700
+2.5% YoY+1.1% QoQ
|
$-11K |
$26,849
+2.7% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.4% in tier |
| CD Concentration |
29.8%
+3.3% YoY+3.2% QoQ
|
+5.4% | 24.4% | 22.4% | 19.8% | 70% |
| Indirect Auto % |
34.6%
-10.2% YoY-2.7% QoQ
|
+20.8% | 13.8% | 7.7% | 7.8% | Top 12.7% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)