BlastPoint's Credit Union Scorecard

MEMBERS HERITAGE

Charter #68661 · KY

Community 500M-750M

167 CUs in 500M-750M nationally 2 in KY

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MEMBERS HERITAGE has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Members Per Employee (MPE): Top 2.4% in tier
+ Total Members: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 20.4% in tier
- Efficiency Drag: Bottom 39.4% in tier
- Indirect Auto Dependency: Bottom 45.1% in tier
- Credit Risk Growth: Bottom 56.7% in tier
- ROA 0.19% below tier average
- Efficiency ratio 3.05% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 4.2% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	54,828 +0.3% YoY+0.7% QoQ	+16.7K	38,079 -4.8% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	Top 4.8% in tier
Assets	$583.6M +4.7% YoY+3.5% QoQ	$-36.1M	$619.7M -0.2% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	34%
Loans	$369.4M +2.1% YoY+1.5% QoQ	$-50.0M	$419.3M -1.4% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	28%
Deposits	$509.8M +4.5% YoY+3.9% QoQ	$-29.6M	$539.5M -0.1% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	36%

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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	0.5% -25.0% YoY-41.0% QoQ	-0.2%	0.7% +36.0% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	40%
NIM	3.4% -1.7% YoY+26.6% QoQ	-0.1%	3.5% +4.5% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	81.4% +3.1% YoY+16.9% QoQ	+3.1%	78.4% -3.7% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	59%
Delinquency Rate	0.5% +92.8% YoY+31.6% QoQ	-0.2	0.7% -0.9% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	41%
Loan To Share	72.4% -2.3% YoY-2.3% QoQ	-5.2%	77.7% -1.2% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	30%
AMR	$16,036 +3.2% YoY+2.1% QoQ	$-11K	$26,927 +3.1% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	Bottom 3.6% in tier
CD Concentration	30.5% +5.9% YoY+2.5% QoQ	+6.3%	24.3%	22.8%	19.8%	72%
Indirect Auto %	34.5% -8.6% YoY-0.3% QoQ	+20.7%	13.8%	7.7%	7.7%	Bottom 12.8% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#159 of 504 • Bottom 45.1% in tier

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

Why This Signature

Asset Growth (YoY): 4.66%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 34.48%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.29%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#272 of 727 • Bottom 20.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk

#284 of 596 • Bottom 39.4% in tier

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

Why This Signature

Efficiency Ratio: 81.44%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.29%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Credit Risk Growth

risk

#321 of 476 • Bottom 56.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.10%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 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 167 peers in tier

Top Strengths (4 metrics)

Members Per Employee (MPE)

engagement

Value: 616.045

Peer Median: 318.730

#5 of 167 Top 2.4% in 500M-750M tier

Total Members

engagement

Value: 54,828

Peer Median: 36,874

#8 of 167 Top 4.2% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.20%

Peer Median: 0.39%

#36 of 167 Top 21.0% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.32%

Peer Median: 10.35%

#42 of 167 Top 24.6% in 500M-750M tier

Top Weaknesses (4 metrics)

161

Average Member Relationship (AMR)

engagement

Value: $16,036

Peer Median: $25,600

#161 of 167 Bottom 4.2% in 500M-750M tier

161

Loan-to-Member Ratio (LMR)

engagement

Value: $6,737

Peer Median: $11,231

#161 of 167 Bottom 4.2% in 500M-750M tier

159

Fee Income Per Member

profitability

Value: $84.22

Peer Median: $178.80

#159 of 167 Bottom 5.4% in 500M-750M tier

141

Indirect Auto Concentration (%)

balance_sheet

Value: 34.48%

Peer Median: 10.91%

#141 of 167 Bottom 16.2% in 500M-750M tier