BlastPoint's Credit Union Scorecard

SERVICE

Charter #24921 · NH

Large 5B-7B

39 CUs in 5B-7B nationally 1 in NH

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SERVICE has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

NH Analysis

How does NH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.61% above tier average
+ Total Deposits: Top 2.6% in tier
+ Total Loans: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.6% in tier
- Liquidity Strain: Bottom 27.3% in tier
- Indirect Auto Dependency: Bottom 29.7% in tier
- Credit Risk Growth: Bottom 31.2% in tier
- Margin Compression: Bottom 47.0% in tier
- Delinquency rate 1.82% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.6% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in New Hampshire.
Shares and deposits +9.0% year over year ($5.84B in shares and deposits).
Membership: 388,968 members, +4.5% vs a year ago.
Delinquency rate 2.60%.
Return on assets 0.95%.
Efficiency ratio 60.69% vs a 65.18% peer average.
Loan-to-share ratio 94.85% vs a 85.64% 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	388,968 +4.5% YoY+1.3% QoQ	+78.0K	310,918 +6.0% YoY	71,149 +11.0% YoY	34,678 +6.6% YoY	80%
Assets	$6.7B +9.1% YoY+1.0% QoQ	+$910.7M	$5.8B -1.1% YoY	$1.2B +16.6% YoY	$593.1M +10.2% YoY	85%
Loans	$5.5B +7.1% YoY+3.4% QoQ	+$1.3B	$4.2B -0.7% YoY	$948.3M +16.3% YoY	$418.6M +10.1% YoY	Top 5.1% in tier
Deposits	$5.8B +9.0% YoY+0.9% QoQ	+$943.0M	$4.9B -1.3% YoY	$1.0B +16.6% YoY	$504.8M +10.3% YoY	Top 5.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -12.2% YoY+0.9% QoQ	+0.0%	0.9% +35.3% YoY	0.9% +33.3% YoY	1.2% +121.4% YoY	59%
NIM	3.8% +5.9% YoY+3.9% QoQ	+0.6%	3.2% +9.5% YoY	3.5% +1.7% YoY	3.8% +2.3% YoY	77%
Efficiency Ratio	60.7% -4.6% YoY-3.0% QoQ	-4.5%	65.2% -9.0% YoY	75.7% -2.9% YoY	83.0% -5.3% YoY	31%
Delinquency Rate	2.6% +120.3% YoY-2.9% QoQ	+1.8	0.8% +23.8% YoY	0.6% +13.9% YoY	1.3% +2.6% YoY	Bottom 2.6% in tier
Loan To Share	94.9% -1.7% YoY+2.5% QoQ	+9.2%	85.6% -0.2% YoY	73.7% +0.3% YoY	66.4% -1.4% YoY	74%
AMR	$29,245 +3.5% YoY+0.7% QoQ	$-3K	$32,010 -7.3% YoY	$26,565 +8.3% YoY	$20,028 -0.9% YoY	46%
CD Concentration	41.5% +5.5% YoY+1.0% QoQ	+13.2%	28.3%	30.9%	20.0%	Top 10.6% in tier
Indirect Auto %	17.8% +0.8% YoY+6.6% QoQ	+1.0%	16.8%	17.2%	7.7%	54%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#1 of 33 • Bottom 1.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.42% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY

Credit Risk Growth

risk

#3 of 28 • Bottom 31.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.15%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 1.42% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 CUs YoY

Liquidity Strain

risk

#12 of 28 • Bottom 27.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.85%

(Tier: 84.03%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.15%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

28 of 67 Large CUs have this signature | 432 nationally

→ Stable (27→28 CUs) +1 CUs YoY | Rank worsening

Margin Compression

decline

#3 of 5 • Bottom 47.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.95%

(Tier: 0.96%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 1.08%

(Tier: 0.84%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.14% points, National: 0.47% points)

worse than tier avg

5 of 67 Large CUs have this signature | 167 nationally

→ Stable (8→5 CUs) -3 CUs YoY

Indirect Auto Dependency

risk

#25 of 35 • Bottom 29.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.07%

(Tier: 8.71%, National: 3.30%)

but better than tier avg

Indirect Auto %: 17.85%

(Tier: 16.81%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 4.46%

(Tier: 4.24%, National: 15.67%)

but better than tier avg

35 of 67 Large CUs have this signature | 714 nationally

→ Stable (33→35 CUs) +2 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 39 peers in tier

Top Strengths (9 metrics)

Total Deposits

balance_sheet

Value: $5.84B

Peer Median: $4.80B

#2 of 39 Top 2.6% in 5B-7B tier

Total Loans

balance_sheet

Value: $5.54B

Peer Median: $4.31B

#2 of 39 Top 2.6% in 5B-7B tier

Fee Income Per Member

profitability

Value: $289.44

Peer Median: $208.80

#6 of 39 Top 12.8% in 5B-7B tier

Total Assets

balance_sheet

Value: $6.70B

Peer Median: $5.68B

#6 of 39 Top 12.8% in 5B-7B tier

Total Members

engagement

Value: 388,968

Peer Median: 303,111

#8 of 39 Top 17.9% in 5B-7B tier

Net Interest Margin (NIM)

profitability

Value: 3.81%

Peer Median: 3.25%

#9 of 39 Top 20.5% in 5B-7B tier

Deposit Growth Rate

growth

Value: 8.96%

Peer Median: 6.19%

#9 of 39 Top 20.5% in 5B-7B tier

Loan Growth Rate

growth

Value: 7.15%

Peer Median: 4.22%

#10 of 39 Top 23.1% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 94.85%

Peer Median: 89.91%

#10 of 39 Top 23.1% in 5B-7B tier

Top Weaknesses (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 2.60%

Peer Median: 0.67%

#39 of 39 Bottom 2.6% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 41.53%

Peer Median: 29.09%

#36 of 39 Bottom 10.3% in 5B-7B tier