BlastPoint's Credit Union Scorecard

HERITAGE FINANCIAL

Charter #68711 · NY

Community 750M-1B

117 CUs in 750M-1B nationally 4 in NY

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HERITAGE FINANCIAL has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 75.1% in tier
+ Net Interest Margin 0.06% above tier average
+ Loan-to-Share Ratio: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 17.2% in tier
- Indirect Auto Dependency: Bottom 43.8% in tier
- Efficiency Drag: Bottom 97.0% in tier
- ROA 0.24% below tier average
- Efficiency ratio 6.56% above tier (higher cost structure)
- Delinquency rate 0.63% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	56,575 +3.3% YoY+1.6% QoQ	+4.5K	52,084 -1.6% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	59%
Assets	$804.6M +10.1% YoY+1.9% QoQ	$-59.3M	$863.9M +0.5% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	28%
Loans	$657.7M +6.2% YoY-1.7% QoQ	+$51.9M	$605.8M +1.4% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	62%
Deposits	$653.5M +8.2% YoY+5.1% QoQ	$-83.8M	$737.3M +0.1% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	Bottom 11.1% in tier

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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% -808.9% YoY+39.2% QoQ	-0.2%	0.7% +39.1% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	32%
NIM	3.5% +1.6% YoY-0.2% QoQ	+0.1%	3.4% +8.7% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	52%
Efficiency Ratio	80.9% -8.3% YoY-2.8% QoQ	+6.6%	74.3% -3.6% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	74%
Delinquency Rate	1.5% -5.5% YoY+9.1% QoQ	+0.6	0.9% +3.8% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	Top 12.8% in tier
Loan To Share	100.6% -1.9% YoY-6.5% QoQ	+18.1%	82.6% +1.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	Top 6.0% in tier
AMR	$23,177 +3.8% YoY-0.0% QoQ	$-6K	$28,873 +2.7% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	34%
CD Concentration	16.8% +11.0% YoY+12.8% QoQ	-7.6%	24.4%	16.3%	19.8%	24%
Indirect Auto %	23.6% -6.5% YoY-0.8% QoQ	+9.8%	13.8%	2.6%	7.8%	76%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#447 of 595 • Top 75.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.31%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.51%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 23.56%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Liquidity Strain

risk

#40 of 228 • Bottom 17.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 100.64%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 6.20%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#222 of 506 • Bottom 43.8% in tier

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

Why This Signature

Asset Growth (YoY): 10.07%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 23.56%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.31%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk

#522 of 538 • Bottom 97.0% in tier

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

Why This Signature

Efficiency Ratio: 80.91%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.58% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 3.31%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (5 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 100.64%

Peer Median: -

#7 of 117 Top 5.1% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.80%

Peer Median: -

#14 of 117 Top 11.1% in 750M-1B tier

Asset Growth Rate

growth

Value: 10.07%

Peer Median: -

#24 of 117 Top 19.7% in 750M-1B tier

Member Growth Rate

growth

Value: 3.31%

Peer Median: -

#26 of 117 Top 21.4% in 750M-1B tier

Deposit Growth Rate

growth

Value: 8.24%

Peer Median: -

#28 of 117 Top 23.1% in 750M-1B tier

Top Weaknesses (2 metrics)

104

Total Deposits

balance_sheet

Value: $653.51M

Peer Median: -

#104 of 117 Bottom 12.0% in 750M-1B tier

103

Total Delinquency Rate (60+ days)

risk

Value: 1.52%

Peer Median: -

#103 of 117 Bottom 12.8% in 750M-1B tier