Heritage

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$1.0B

1^th percentile

Members

64,497

13^th percentile

Total loans

$716.3M

5^th percentile

Total shares

$840.2M

2^th percentile

Profitability

Return on assets

0.69%

27^th percentile

Net interest margin

3.27%

55^th percentile

Efficiency ratio

60.89%

15^th percentile

Non-interest income ratio

26.63%

91^th percentile

Capital & Risk

Net worth ratio

11.91%

69^th percentile

Delinquency rate

0.27%

91^th percentile

Net charge-off rate

0.33%

73^th percentile

Loan-to-share

85.25%

40^th percentile

Growth

Member growth YoY

-0.47%

21^th percentile

Asset growth YoY

4.60%

40^th percentile

Loan growth YoY

1.57%

27^th percentile

Share growth YoY

2.87%

25^th percentile

Operations

Members / branch

3,583

5^th percentile

Assets / member

$15,960

30^th percentile

Field of membership penetration

6.47%

54^th percentile

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