BlastPoint's Credit Union Scorecard
HERITAGE FINANCIAL
Charter #68711 · NY
HERITAGE FINANCIAL has 4 strengths but faces 9 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 33.3% in tier
- + Net Interest Margin 0.09% above tier average
- + Loan-to-Share Ratio: Top 2.7% in tier
- + Share Certificate Concentration (%): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.4% in tier
- - Indirect Auto Dependency: Bottom 6.2% in tier
- - Efficiency Drag: Bottom 17.8% in tier
- - Membership Headwinds: Bottom 27.5% in tier
- - Stagnation Risk: Bottom 29.3% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 8.74% above tier (higher cost structure)
- - Delinquency rate 0.57% above tier average
- - Total Deposits: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,666
-1.1% YoY+2.0% QoQ
|
+3.6K |
52,114
-2.1% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$789.6M
+9.5% YoY+1.7% QoQ
|
$-69.4M |
$859.0M
+0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$668.9M
+8.9% YoY+2.2% QoQ
|
+$65.5M |
$603.4M
+1.0% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$621.7M
+6.4% YoY-2.2% QoQ
|
$-112.5M |
$734.2M
+0.9% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.4% in tier |
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| ROA |
0.4%
+273.9% YoY-2.1% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
3.5%
+3.0% YoY-0.2% QoQ
|
+0.1% |
3.4%
+9.6% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
83.3%
-6.3% YoY+0.3% QoQ
|
+8.7% |
74.5%
-3.2% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.4%
-16.3% YoY+2.2% QoQ
|
+0.6 |
0.8%
+5.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
85% |
| Loan To Share |
107.6%
+2.4% YoY+4.5% QoQ
|
+24.9% |
82.7%
+0.1% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 3.6% in tier |
| AMR |
$23,184
+8.9% YoY-2.0% QoQ
|
$-5K |
$28,651
+2.5% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
14.9%
-14.4% YoY+5.0% QoQ
|
-9.5% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
19% |
| Indirect Auto % |
23.8%
-10.1% YoY-0.1% QoQ
|
+9.8% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
76% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)