BlastPoint's Credit Union Scorecard

MEMBERS HERITAGE

Charter #68661 · KY

Community 500M-750M

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

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MEMBERS HERITAGE has 5 strengths but faces 5 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

+ Credit Quality Leader: Top 90.9% in tier
+ 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
- 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	25%
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	19%
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	25%

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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	0.9% -8.3% YoY+17.9% QoQ	+0.2%	0.7% +33.9% YoY	0.2% -216.5% YoY	0.7% +273.4% YoY	68%
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	61%
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	29%
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	22%
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	28%
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	67%
Indirect Auto %	35.5% -10.3% YoY-3.1% QoQ	+21.5%	14.0% -5.7% YoY	7.8% -3.4% YoY	7.9% -2.9% YoY	Top 11.9% in tier

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#309 of 340 • Top 90.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.36%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (2)

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: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.40%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

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

1002 nationally

↓ Shrinking -199 CUs YoY | 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 169 peers in tier

Top Strengths (5 metrics)

Members Per Employee (MPE)

engagement

Value: 599.615

Peer Avg: -

#4 of 169 Top 1.8% in 500M-750M tier

Total Members

engagement

Value: 54,565

Peer Avg: -

#17 of 169 Top 9.5% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.63%

Peer Avg: -

#36 of 169 Top 20.7% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Avg: -

#39 of 169 Top 22.5% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.20%

Peer Avg: -

#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: -

#165 of 169 Bottom 3.0% in 500M-750M tier

165

Loan-to-Member Ratio (LMR)

engagement

Value: $6,632

Peer Avg: -

#165 of 169 Bottom 3.0% in 500M-750M tier

164

Fee Income Per Member

profitability

Value: $78.06

Peer Avg: -

#164 of 169 Bottom 3.6% in 500M-750M tier

147

Indirect Auto Concentration (%)

balance_sheet

Value: 35.52%

Peer Avg: -

#147 of 169 Bottom 13.6% in 500M-750M tier

141

Loan Growth Rate

growth

Value: -2.68%

Peer Avg: -

#141 of 169 Bottom 17.2% in 500M-750M tier

137

Total Loans

balance_sheet

Value: $361.89M

Peer Avg: -

#137 of 169 Bottom 19.5% in 500M-750M tier