Heritage Community

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$278.5M

10^th percentile

Members

10,234

2^th percentile

Total loans

$248.5M

37^th percentile

Total shares

$238.2M

9^th percentile

Profitability

Return on assets

0.76%

37^th percentile

Net interest margin

3.25%

36^th percentile

Efficiency ratio

58.94%

51^th percentile

Non-interest income ratio

14.12%

22^th percentile

Capital & Risk

Net worth ratio

9.83%

32^th percentile

Delinquency rate

0.64%

58^th percentile

Net charge-off rate

0.56%

34^th percentile

Loan-to-share

104.33%

95^th percentile

Growth

Member growth YoY

-2.68%

19^th percentile

Asset growth YoY

3.86%

41^th percentile

Loan growth YoY

7.73%

70^th percentile

Share growth YoY

4.14%

45^th percentile

Operations

Members / branch

3,411

23^th percentile

Assets / member

$27,212

94^th percentile

Field of membership penetration

0.31%

3^th percentile

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