BlastPoint's Credit Union Scorecard
MEMBERS HERITAGE
Charter #68661 · KY
MEMBERS HERITAGE has 2 strengths but faces 8 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
- + Members Per Employee (MPE): Top 2.4% in tier
- + Total Members: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.7% in tier
- - Indirect Auto Dependency: Bottom 37.6% in tier
- - Credit Risk Growth: Bottom 46.2% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 1.43% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - Fee Income Per Member: Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 3.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Kentucky.
- Shares and deposits +5.6% year over year ($516M in shares and deposits).
- Membership: 55,277 members, +0.5% vs a year ago.
- Delinquency rate 0.92%.
- Return on assets 0.68%.
- Efficiency ratio 77.99% vs a 76.56% peer average.
- Loan-to-share ratio 72.90% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,277
+0.5% YoY+0.8% QoQ
|
+17.4K |
37,897
-5.0% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Top 4.2% in tier |
| Assets |
$590.8M
+5.6% YoY+1.2% QoQ
|
$-31.5M |
$622.4M
+0.6% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$376.0M
+4.0% YoY+1.8% QoQ
|
$-52.5M |
$428.5M
-0.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$515.8M
+5.6% YoY+1.2% QoQ
|
$-24.0M |
$539.8M
+0.9% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.7%
-6.7% YoY+38.0% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.4%
-1.6% YoY+1.4% QoQ
|
-0.1% |
3.5%
+5.0% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
41% |
| Efficiency Ratio |
78.0%
+0.6% YoY-4.2% QoQ
|
+1.4% |
76.6%
-3.6% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
0.9%
+168.9% YoY+71.8% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
72.9%
-1.5% YoY+0.6% QoQ
|
-6.4% |
79.3%
-1.4% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$16,132
+4.4% YoY+0.6% QoQ
|
$-11K |
$27,294
+4.1% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.0% in tier |
| CD Concentration |
32.5%
+13.1% YoY+6.5% QoQ
|
+8.0% | 24.6% | 23.1% | 20.0% | 78% |
| Indirect Auto % |
34.4%
-6.2% YoY-0.3% QoQ
|
+20.7% | 13.6% | 7.6% | 7.7% | Bottom 12.5% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)