BlastPoint's Credit Union Scorecard
N G M EMPLOYEES
Charter #17793 · NH
N G M EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Net Charge-Off Rate: Top 0.6% in tier
- + Members Per Employee (MPE): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 31.56% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.0% in tier
- - Net Worth Ratio: Bottom 2.8% in tier
- - Fee Income Per Member: Bottom 6.7% in tier
- - Net Interest Margin (NIM): Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,167
-0.9% YoY-0.2% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
70,447
+10.9% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$7.7M
+2.6% YoY-0.8% QoQ
|
$-22.5M |
$30.2M
+1.3% YoY
|
$1.2B
+16.1% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$3.4M
-15.0% YoY-4.0% QoQ
|
$-11.9M |
$15.3M
-2.0% YoY
|
$918.0M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$7.1M
+2.9% YoY-1.0% QoQ
|
$-18.7M |
$25.8M
+0.7% YoY
|
$1.0B
+16.2% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
0.4%
-131.7% YoY-179.1% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.9%
+113.1% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
2.6%
-8.1% YoY-4.2% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.4%
+5.0% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.6% in tier |
| Efficiency Ratio |
122.2%
+0.8% YoY+17.4% QoQ
|
+31.6% |
90.6%
+6.5% YoY
|
77.2%
-6.5% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
0.2%
+229.7% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.7%
+47.7% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
47.5%
-17.4% YoY-3.0% QoQ
|
-11.0% |
58.5%
-3.0% YoY
|
72.7%
+0.2% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$9,011
-2.7% YoY-1.8% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$26,400
+8.8% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
63.7%
+9.2% YoY-1.5% QoQ
|
+39.4% | 24.3% | 31.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 17.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)