MEMBERS HERITAGE

Charter #68661 | KY

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in KY

MEMBERS HERITAGE has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.21% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Members Per Employee (MPE): Top 1.8% in tier
  • + Total Members: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 10.3% in tier
  • - Credit Quality Pressure: Bottom 18.9% in tier
  • - Liquidity Overhang: Bottom 27.4% in tier
  • - Average Member Relationship (AMR): Bottom 3.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
  • - Fee Income Per Member: Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 54,565
+0.4% YoY-0.8% QoQ
 +14.8K 39,752
-2.7% YoY
 18,350
+6.5% YoY
 33,089
+6.1% YoY
 Top 10.1% in tier
Assets $558.5M
+4.0% YoY-0.2% QoQ
 $-63.9M $622.4M
+0.3% YoY
 $291.9M
+10.4% YoY
 $547.7M
+7.8% YoY
 25th in tier
Loans $361.9M
-2.7% YoY+0.1% QoQ
 $-74.1M $435.9M
-0.4% YoY
 $208.5M
+10.3% YoY
 $388.7M
+8.6% YoY
 Bottom 18.9% in tier
Deposits $485.1M
+3.5% YoY-0.7% QoQ
 $-52.9M $538.0M
+1.3% YoY
 $245.3M
+10.3% YoY
 $464.6M
+9.3% YoY
 Bottom 24.9% in tier
ROA 0.9%
-8.3% YoY+17.9% QoQ
 +0.2% 0.7%
+33.9% YoY
 0.2%
-216.5% YoY
 0.7%
+273.4% YoY
 68th in tier
NIM 3.5%
+5.0% YoY+2.6% QoQ
 +0.1% 3.4%
+8.6% YoY
 3.6%
+4.6% YoY
 3.7%
+5.0% YoY
 61st in tier
Efficiency Ratio 73.8%
+0.5% YoY-4.7% QoQ
 -4.3% 78.1%
-3.4% YoY
 85.0%
-21.4% YoY
 79.1%
-3.3% YoY
 29th in tier
Delinquency Rate 0.4%
+44.5% YoY+5.7% QoQ
 -0.4 0.8%
-4.9% YoY
 0.8%
-26.3% YoY
 1.2%
-0.9% YoY
 Bottom 22.5% in tier
Loan To Share 74.6%
-6.0% YoY+0.8% QoQ
 -6.4% 81.0%
-1.8% YoY
 65.5%
-4.4% YoY
 68.0%
-1.7% YoY
 28th in tier
AMR $15,522
+0.4% YoY+0.5% QoQ
 $-11K $26,482
+2.6% YoY
 $16,917
+3.2% YoY
 $19,418
+1.3% YoY
 Bottom 2.4% in tier
CD Concentration 28.9%
-1.9% YoY+0.4% QoQ
 +4.5% 24.4%
+4.2% YoY
 22.1%
-0.3% YoY
 19.6%
+6.2% YoY
 67th in tier
Indirect Auto % 35.5%
-10.3% YoY-3.1% QoQ
 +21.6% 14.0%
-5.8% YoY
 7.8%
-3.4% YoY
 7.9%
-2.9% YoY
 Top 11.9% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk
#167 of 525 • Bottom 10.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.99%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 35.52%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.40%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#469 of 736 • Bottom 18.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Overhang

risk
#424 of 552 • Bottom 27.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.63%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 74.60%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 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)

Comparing against 169 peers in tier

Top Strengths (5 metrics)

4
Members Per Employee (MPE)
engagement
Value: 599.615
Peer Avg: 338.010
#4 of 169 Top 1.8% in 500M-750M tier
17
Total Members
engagement
Value: 54,565
Peer Avg: 39,752
#17 of 169 Top 9.5% in 500M-750M tier
36
Net Worth Ratio
risk
Value: 12.63%
Peer Avg: 10.94%
#36 of 169 Top 20.7% in 500M-750M tier
39
Total Delinquency Rate (60+ days)
risk
Value: 0.36%
Peer Avg: 0.80%
#39 of 169 Top 22.5% in 500M-750M tier
43
Net Charge-Off Rate
risk
Value: 0.20%
Peer Avg: 0.51%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (6 metrics)

165
Average Member Relationship (AMR)
engagement
Value: $15,522
Peer Avg: $26,482
#165 of 169 Bottom 3.0% in 500M-750M tier
165
Loan-to-Member Ratio (LMR)
engagement
Value: $6,632
Peer Avg: $11,805
#165 of 169 Bottom 3.0% in 500M-750M tier
164
Fee Income Per Member
profitability
Value: $78.06
Peer Avg: $199.27
#164 of 169 Bottom 3.6% in 500M-750M tier
147
Indirect Auto Concentration (%)
balance_sheet
Value: 35.52%
Peer Avg: 16.19%
#147 of 169 Bottom 13.6% in 500M-750M tier
141
Loan Growth Rate
growth
Value: -2.68%
Peer Avg: 4.04%
#141 of 169 Bottom 17.2% in 500M-750M tier
137
Total Loans
balance_sheet
Value: $361.89M
Peer Avg: $435.95M
#137 of 169 Bottom 19.5% in 500M-750M tier