BlastPoint's Credit Union Scorecard
N G M EMPLOYEES
Charter #17793 · NH
2556 CUs in <100M nationally
3 in NH
N G M EMPLOYEES has 5 strengths but faces 6 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
- + Deposit Growth Rate: Top 2.9% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + Members Per Employee (MPE): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Efficiency ratio 21.52% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.8% in tier
- - Net Worth Ratio: Bottom 2.0% in tier
- - Fee Income Per Member: Bottom 5.6% in tier
- - Loan Growth Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,169
-1.6% YoY-0.4% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
70,033
+11.3% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$7.8M
+14.3% YoY+4.0% QoQ
|
$-22.4M |
$30.1M
+2.1% YoY
|
$1.1B
+17.2% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$3.5M
-17.2% YoY-4.5% QoQ
|
$-12.2M |
$15.8M
-1.3% YoY
|
$907.6M
+17.0% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$7.2M
+16.4% YoY+4.3% QoQ
|
$-18.5M |
$25.7M
+1.4% YoY
|
$990.9M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
-0.5%
+107.5% YoY-25.9% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.8%
-4.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.5% in tier |
| NIM |
2.7%
-11.7% YoY-4.0% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.4%
+0.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio |
104.1%
-0.0% YoY-0.9% QoQ
|
+21.5% |
82.6%
-2.3% YoY
|
76.4%
-1.4% YoY
|
79.7%
-3.3% YoY
|
Top 8.7% in tier |
| Delinquency Rate |
0.1%
+4.7% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
+50.4% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
49.0%
-28.9% YoY-8.5% QoQ
|
-11.6% |
60.6%
-3.1% YoY
|
74.1%
-1.1% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$9,174
+4.3% YoY+1.7% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$26,084
+9.1% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
64.6%
+17.4% YoY+5.0% QoQ
|
+40.2% | 24.4% | 31.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 17.0% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
76
Deposit Growth Rate
growth
Value:
16.36%
Peer Median: -
#76 of 2556
Top 2.9% in <100M tier
93
Asset Growth Rate
growth
Value:
14.33%
Peer Median: -
#93 of 2556
Top 3.6% in <100M tier
208
Members Per Employee (MPE)
engagement
Value:
584.500
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
442
Total Delinquency Rate (60+ days)
risk
Value:
0.07%
Peer Median: -
#442 of 2556
Top 17.3% in <100M tier
Top Weaknesses (10 metrics)
2537
Share Certificate Concentration (%)
balance_sheet
Value:
64.65%
Peer Median: -
#2537 of 2556
Bottom 0.8% in <100M tier
2505
Net Worth Ratio
risk
Value:
7.16%
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2413
Fee Income Per Member
profitability
Value:
$0.50
Peer Median: -
#2413 of 2556
Bottom 5.6% in <100M tier
2350
Loan Growth Rate
growth
Value:
-17.22%
Peer Median: -
#2350 of 2556
Bottom 8.1% in <100M tier
2338
Return on Assets (ROA)
profitability
Value:
-0.53%
Peer Median: -
#2338 of 2556
Bottom 8.6% in <100M tier
2334
Efficiency Ratio
profitability
Value:
104.08%
Peer Median: -
#2334 of 2556
Bottom 8.7% in <100M tier
2280
Net Interest Margin (NIM)
profitability
Value:
2.67%
Peer Median: -
#2280 of 2556
Bottom 10.8% in <100M tier
2248
Net Charge-Off Rate
risk
Value:
1.24%
Peer Median: -
#2248 of 2556
Bottom 12.1% in <100M tier
1947
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,018
Peer Median: -
#1947 of 2556
Bottom 23.9% in <100M tier
1939
Average Member Relationship (AMR)
engagement
Value:
$9,174
Peer Median: -
#1939 of 2556
Bottom 24.2% in <100M tier