BlastPoint's Credit Union Scorecard
N G M EMPLOYEES
Charter #17793 · NH
2596 CUs in <100M nationally
3 in NH
N G M EMPLOYEES has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.2% in tier
- + Deposit Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Efficiency ratio 23.60% above tier (higher cost structure)
- - Member decline: -3.1% YoY
- - Share Certificate Concentration (%): Bottom 1.1% in tier
- - Net Worth Ratio: Bottom 2.9% in tier
- - Fee Income Per Member: Bottom 6.4% in tier
- - Net Charge-Off Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,174
-3.1% YoY-0.2% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
69,671
+10.7% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$7.5M
+8.4% YoY+1.5% QoQ
|
$-22.4M |
$29.9M
+1.1% YoY
|
$1.1B
+16.1% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$3.7M
-15.2% YoY-4.7% QoQ
|
$-12.1M |
$15.8M
-2.4% YoY
|
$906.3M
+19.0% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$6.9M
+9.7% YoY+1.7% QoQ
|
$-18.6M |
$25.5M
+0.4% YoY
|
$963.7M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
29% |
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| ROA |
-0.7%
+46.4% YoY-16.3% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
0.7%
-9.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.0% in tier |
| NIM |
2.8%
-4.6% YoY+0.9% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.4%
+0.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio |
105.0%
-6.9% YoY+1.3% QoQ
|
+23.6% |
81.4%
-2.4% YoY
|
76.5%
-1.9% YoY
|
79.1%
-3.3% YoY
|
Top 8.5% in tier |
| Delinquency Rate |
0.1%
+4.9% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.6%
+40.9% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
53.6%
-22.8% YoY-6.3% QoQ
|
-7.7% |
61.2%
-3.0% YoY
|
76.0%
+1.5% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$9,022
+2.7% YoY-0.4% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$25,778
+8.7% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
61.6%
+17.5% YoY+1.0% QoQ
|
+37.2% |
24.4%
+4.2% YoY
|
31.0%
+18.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
17.3%
+16.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
214
Members Per Employee (MPE)
engagement
Value:
587.000
Peer Avg: -
#214 of 2596
Top 8.2% in <100M tier
243
Deposit Growth Rate
growth
Value:
9.73%
Peer Avg: -
#243 of 2596
Top 9.3% in <100M tier
311
Asset Growth Rate
growth
Value:
8.42%
Peer Avg: -
#311 of 2596
Top 11.9% in <100M tier
482
Total Delinquency Rate (60+ days)
risk
Value:
0.07%
Peer Avg: -
#482 of 2596
Top 18.5% in <100M tier
Top Weaknesses (10 metrics)
2568
Share Certificate Concentration (%)
balance_sheet
Value:
61.57%
Peer Avg: -
#2568 of 2596
Bottom 1.1% in <100M tier
2521
Net Worth Ratio
risk
Value:
7.45%
Peer Avg: -
#2521 of 2596
Bottom 2.9% in <100M tier
2430
Fee Income Per Member
profitability
Value:
$0.53
Peer Avg: -
#2430 of 2596
Bottom 6.4% in <100M tier
2423
Net Charge-Off Rate
risk
Value:
1.79%
Peer Avg: -
#2423 of 2596
Bottom 6.7% in <100M tier
2415
Return on Assets (ROA)
profitability
Value:
-0.72%
Peer Avg: -
#2415 of 2596
Bottom 7.0% in <100M tier
2377
Efficiency Ratio
profitability
Value:
104.99%
Peer Avg: -
#2377 of 2596
Bottom 8.5% in <100M tier
2306
Loan Growth Rate
growth
Value:
-15.24%
Peer Avg: -
#2306 of 2596
Bottom 11.2% in <100M tier
2268
Net Interest Margin (NIM)
profitability
Value:
2.78%
Peer Avg: -
#2268 of 2596
Bottom 12.7% in <100M tier
1972
Average Member Relationship (AMR)
engagement
Value:
$9,022
Peer Avg: -
#1972 of 2596
Bottom 24.1% in <100M tier
1949
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,147
Peer Avg: -
#1949 of 2596
Bottom 25.0% in <100M tier