BlastPoint's Credit Union Scorecard
FIRST HERITAGE
Charter #9604 · NY
FIRST HERITAGE has 3 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 16.3% in tier
- + Credit Quality Leader: Top 79.3% in tier
- + ROA 0.07% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 9.0% in tier
- - Credit Risk Growth: Bottom 21.5% in tier
- - Credit Quality Pressure: Bottom 23.8% in tier
- - Efficiency ratio 0.88% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,934
+4.6% YoY+0.6% QoQ
|
-2.2K |
52,114
-2.1% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$787.5M
+7.6% YoY+0.2% QoQ
|
$-71.5M |
$859.0M
+0.0% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$589.5M
+6.6% YoY+1.5% QoQ
|
$-13.9M |
$603.4M
+1.0% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$698.7M
+7.0% YoY-0.3% QoQ
|
$-35.5M |
$734.2M
+0.9% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.8%
+7.2% YoY+12.0% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
3.2%
+7.3% YoY+2.3% QoQ
|
-0.1% |
3.4%
+9.6% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
75.4%
-1.3% YoY-1.7% QoQ
|
+0.9% |
74.5%
-3.2% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.3%
+19.5% YoY-5.7% QoQ
|
-0.5 |
0.8%
+5.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.3% in tier |
| Loan To Share |
84.4%
-0.3% YoY+1.9% QoQ
|
+1.7% |
82.7%
+0.1% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$25,797
+2.1% YoY-0.1% QoQ
|
$-3K |
$28,651
+2.5% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
34.7%
+7.5% YoY-0.2% QoQ
|
+10.3% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
84% |
| Indirect Auto % |
32.9%
+5.1% YoY+5.4% QoQ
|
+18.9% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Top 14.2% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)