SERVICE

Charter #24921 | NH

5B-7B (34 CUs) Large (64 CUs)
1 5B-7B in NH

SERVICE has 9 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.0% in tier
  • + Organic Growth Engine: Top 6.8% in tier
  • + Emerging Performer: Top 6.9% in tier
  • + Organic Growth Leader: Top 7.2% in tier
  • + Relationship Depth Leader: Top 15.4% in tier
  • + ROA 0.28% above tier average
  • + Net Interest Margin 0.73% above tier average
  • + Total Loans: Top 5.9% in tier
  • + Loan Growth Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.0% in tier
  • - Growth-at-Risk: Bottom 0.0% in tier
  • - Liquidity Strain: Bottom 3.5% in tier
  • - Indirect Auto Dependency: Bottom 20.2% in tier
  • - Delinquency rate 0.92% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
  • - Share Certificate Concentration (%): Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Members 377,536
+4.6% YoY+1.4% QoQ
 +87.8K 289,724
-2.8% YoY
 69,671
+10.7% YoY
 33,089
+6.1% YoY
 Top 20.6% in tier
Assets $6.3B
+10.2% YoY+2.6% QoQ
 +$505.6M $5.8B
+0.2% YoY
 $1.1B
+16.1% YoY
 $547.7M
+7.8% YoY
 74th in tier
Loans $5.3B
+14.4% YoY+3.4% QoQ
 +$1.3B $4.1B
-3.1% YoY
 $906.3M
+19.0% YoY
 $388.7M
+8.6% YoY
 Top 8.8% in tier
Deposits $5.5B
+10.0% YoY+2.4% QoQ
 +$595.7M $4.9B
+2.2% YoY
 $963.7M
+15.8% YoY
 $464.6M
+9.3% YoY
 Top 14.7% in tier
ROA 1.1%
-6.1% YoY+0.4% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.7%
-9.7% YoY
 0.7%
+273.4% YoY
 Top 20.6% in tier
NIM 3.6%
+5.1% YoY+1.0% QoQ
 +0.7% 2.9%
+3.9% YoY
 3.4%
+0.9% YoY
 3.7%
+5.0% YoY
 Top 11.8% in tier
Efficiency Ratio 62.8%
-5.7% YoY-1.2% QoQ
 -5.3% 68.1%
-1.7% YoY
 76.5%
-1.9% YoY
 79.1%
-3.3% YoY
 26th in tier
Delinquency Rate 1.5%
+205.0% YoY+30.9% QoQ
 +0.9 0.6%
-2.2% YoY
 0.6%
+40.9% YoY
 1.2%
-0.9% YoY
 Top 2.9% in tier
Loan To Share 97.4%
+4.0% YoY+1.0% QoQ
 +13.8% 83.6%
-5.7% YoY
 76.0%
+1.5% YoY
 68.0%
-1.7% YoY
 Top 14.7% in tier
AMR $28,673
+7.2% YoY+1.4% QoQ
 $-6K $34,398
+4.0% YoY
 $25,778
+8.7% YoY
 $19,418
+1.3% YoY
 32nd in tier
CD Concentration 41.0%
+7.8% YoY+4.2% QoQ
 +12.1% 28.9%
-1.3% YoY
 31.0%
+18.0% YoY
 19.6%
+6.2% YoY
 Top 10.9% in tier
Indirect Auto % 17.4%
+7.0% YoY-1.6% QoQ
 +0.8% 16.6%
-10.3% YoY
 17.3%
+16.5% YoY
 7.9%
-2.9% YoY
 53rd in tier

Signature Analysis

Strengths (5)

Wallet Share Momentum

growth
#8 of 46 • Top 6.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.17%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#11 of 50 • Top 6.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.63%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 1.08%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 17.41%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Emerging Performer

growth
#7 of 31 • Top 6.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.08%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Member Growth (YoY): 4.63%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY

Organic Growth Leader

growth
#7 of 28 • Top 7.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.63%
(Tier: 3.07%, National: 9.37%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank improving

Relationship Depth Leader

growth
#19 of 46 • Top 15.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.17%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY

Concerns (4)

Credit Quality Pressure

risk
#1 of 34 • Bottom 0.0% in tier

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

Why This Signature
Delinquency Change (YoY): 1.04% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Growth-at-Risk

risk
#1 of 25 • Bottom 0.0% in tier

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

Why This Signature
Loan Growth (YoY): 14.38%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 1.04% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | Rank improving

Liquidity Strain

risk
#4 of 32 • Bottom 3.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.40%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 14.38%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#21 of 33 • Bottom 20.2% in tier

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

Why This Signature
Asset Growth (YoY): 10.19%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 17.41%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.63%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

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)

Comparing against 34 peers in tier

Top Strengths (11 metrics)

3
Total Loans
balance_sheet
Value: $5.34B
Peer Avg: $4.08B
#3 of 34 Top 5.9% in 5B-7B tier
4
Net Interest Margin (NIM)
profitability
Value: 3.63%
Peer Avg: 2.90%
#4 of 34 Top 8.8% in 5B-7B tier
4
Loan Growth Rate
growth
Value: 14.38%
Peer Avg: 5.95%
#4 of 34 Top 8.8% in 5B-7B tier
5
Asset Growth Rate
growth
Value: 10.19%
Peer Avg: 6.10%
#5 of 34 Top 11.8% in 5B-7B tier
5
Loan-to-Share Ratio
balance_sheet
Value: 97.40%
Peer Avg: 83.64%
#5 of 34 Top 11.8% in 5B-7B tier
5
Total Deposits
balance_sheet
Value: $5.48B
Peer Avg: $4.89B
#5 of 34 Top 11.8% in 5B-7B tier
6
Fee Income Per Member
profitability
Value: $285.56
Peer Avg: $213.89
#6 of 34 Top 14.7% in 5B-7B tier
6
AMR Growth Rate
growth
Value: 7.17%
Peer Avg: 3.75%
#6 of 34 Top 14.7% in 5B-7B tier
7
Return on Assets (ROA)
profitability
Value: 1.08%
Peer Avg: 0.80%
#7 of 34 Top 17.6% in 5B-7B tier
7
Total Members
engagement
Value: 377,536
Peer Avg: 289,725
#7 of 34 Top 17.6% in 5B-7B tier

Top Weaknesses (2 metrics)

34
Total Delinquency Rate (60+ days)
risk
Value: 1.55%
Peer Avg: 0.62%
#34 of 34 Bottom 2.9% in 5B-7B tier
32
Share Certificate Concentration (%)
balance_sheet
Value: 41.01%
Peer Avg: 30.59%
#32 of 34 Bottom 8.8% in 5B-7B tier