BlastPoint's Credit Union Scorecard
N G M EMPLOYEES
Charter #17793 · NH
N G M EMPLOYEES has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.5% in tier
- + Members Per Employee (MPE): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Efficiency ratio 25.50% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Share Certificate Concentration (%): Bottom 1.5% in tier
- - Net Worth Ratio: Bottom 2.8% in tier
- - Fee Income Per Member: Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 3 that size in New Hampshire.
- Shares and deposits +3.1% year over year ($7.0M in shares and deposits).
- Membership: 1,148 members, -2.4% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.11%.
- Efficiency ratio 114.27% vs a 88.77% peer average.
- Loan-to-share ratio 49.11% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,148
-2.4% YoY-1.6% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
71,149
+11.0% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$7.5M
+2.8% YoY-1.9% QoQ
|
$-22.7M |
$30.3M
+1.5% YoY
|
$1.2B
+16.6% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$3.4M
-11.5% YoY+1.3% QoQ
|
$-12.0M |
$15.5M
-1.7% YoY
|
$948.3M
+16.3% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$7.0M
+3.1% YoY-2.0% QoQ
|
$-18.8M |
$25.8M
+1.1% YoY
|
$1.0B
+16.6% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
0.1%
-113.4% YoY-72.7% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.9%
+33.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.2% in tier |
| NIM |
2.7%
-2.4% YoY+5.1% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.5%
+1.7% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.7% in tier |
| Efficiency Ratio |
114.3%
+10.3% YoY-6.5% QoQ
|
+25.5% |
88.8%
-6.9% YoY
|
75.7%
-2.9% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.6%
+13.9% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
49.1%
-14.1% YoY+3.3% QoQ
|
-9.8% |
58.9%
-3.1% YoY
|
73.7%
+0.3% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$9,076
+0.2% YoY+0.7% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$26,565
+8.3% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
59.6%
-2.2% YoY-6.3% QoQ
|
+35.1% | 24.6% | 30.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 17.2% | 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)