BlastPoint's Credit Union Scorecard
SERVICE
Charter #24921 · NH
SERVICE has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does NH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 13.2% in tier
- + Organic Growth Leader: Top 14.3% in tier
- + Emerging Performer: Top 31.6% in tier
- + Wallet Share Momentum: Top 73.7% in tier
- + ROA 0.24% above tier average
- + Net Interest Margin 0.60% above tier average
- + Total Loans: Top 2.9% in tier
- + Total Deposits: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.0% in tier
- - Credit Risk Growth: Bottom 6.7% in tier
- - Liquidity Strain: Bottom 25.0% in tier
- - Indirect Auto Dependency: Bottom 64.7% in tier
- - Delinquency rate 2.02% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
380,457
+4.9% YoY+0.8% QoQ
|
+88.1K |
292,342
-2.4% YoY
|
70,033
+11.3% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$6.5B
+11.4% YoY+2.6% QoQ
|
+$716.5M |
$5.7B
-0.2% YoY
|
$1.1B
+17.2% YoY
|
$561.6M
+9.7% YoY
|
Top 14.3% in tier |
| Loans |
$5.3B
+10.0% YoY-0.4% QoQ
|
+$1.2B |
$4.2B
-1.6% YoY
|
$907.6M
+17.0% YoY
|
$397.0M
+8.8% YoY
|
Top 5.7% in tier |
| Deposits |
$5.6B
+11.5% YoY+2.6% QoQ
|
+$781.1M |
$4.8B
+0.4% YoY
|
$990.9M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
Top 8.6% in tier |
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| ROA |
1.1%
-6.6% YoY-2.1% QoQ
|
+0.2% |
0.8%
+27.9% YoY
|
0.8%
-4.7% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
3.6%
+5.2% YoY+0.3% QoQ
|
+0.6% |
3.0%
+8.0% YoY
|
3.4%
+0.4% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
63.2%
-5.3% YoY+0.7% QoQ
|
-4.0% |
67.3%
-3.7% YoY
|
76.4%
-1.4% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
2.8%
+437.9% YoY+80.9% QoQ
|
+2.0 |
0.8%
+17.5% YoY
|
0.7%
+50.4% YoY
|
1.3%
-2.1% YoY
|
Top 2.9% in tier |
| Loan To Share |
94.5%
-1.3% YoY-3.0% QoQ
|
+8.6% |
85.9%
-2.6% YoY
|
74.1%
-1.1% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$28,773
+5.6% YoY+0.3% QoQ
|
$-6K |
$34,289
+3.5% YoY
|
$26,084
+9.1% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
41.2%
+8.4% YoY+0.5% QoQ
|
+12.0% | 29.1% | 31.6% | 19.8% | Top 13.4% in tier |
| Indirect Auto % |
16.7%
-0.4% YoY-3.8% QoQ
|
-0.4% | 17.1% | 17.0% | 7.8% | 49% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)