BlastPoint's Credit Union Scorecard

SERVICE

Charter #24921 · NH

Large 5B-7B

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

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SERVICE has 8 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

+ Organic Growth Engine: Top 6.8% in tier
+ Organic Growth Leader: Top 7.2% in tier
+ Emerging Performer: Top 30.0% in tier
+ Wallet Share Momentum: Top 41.2% 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
- Credit Risk Growth: 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	79%
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	74%
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

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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	79%
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	26%
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	32%
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	53%

Signature Analysis

Strengths (4)

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

Organic Growth Leader

growth

#7 of 28 • Top 7.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.63%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Indirect Auto %: 17.41%

(Tier: 16.60%, National: 7.90%)

but worse than tier avg

28 of 64 Large CUs have this signature | 608 nationally

→ Stable (28→28 CUs) | Rank improving

Emerging Performer

growth

#7 of 21 • Top 30.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

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

21 of 64 Large CUs have this signature | 288 nationally

→ Stable (17→21 CUs) +4 CUs YoY | Rank improving

Wallet Share Momentum

growth

#8 of 18 • Top 41.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.17%

(Tier: 2.82%, National: 4.19%)

better than tier avg

18 of 64 Large CUs have this signature | 620 nationally

↑ Growing +11 CUs YoY | New qualifier

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

Credit Risk Growth

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)

Compare against:

Comparing against 34 peers in tier

Top Strengths (11 metrics)

Total Loans

balance_sheet

Value: $5.34B

Peer Avg: -

#3 of 34 Top 5.9% in 5B-7B tier

Net Interest Margin (NIM)

profitability

Value: 3.63%

Peer Avg: -

#4 of 34 Top 8.8% in 5B-7B tier

Loan Growth Rate

growth

Value: 14.38%

Peer Avg: -

#4 of 34 Top 8.8% in 5B-7B tier

Asset Growth Rate

growth

Value: 10.19%

Peer Avg: -

#5 of 34 Top 11.8% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 97.40%

Peer Avg: -

#5 of 34 Top 11.8% in 5B-7B tier

Total Deposits

balance_sheet

Value: $5.48B

Peer Avg: -

#5 of 34 Top 11.8% in 5B-7B tier

Fee Income Per Member

profitability

Value: $285.56

Peer Avg: -

#6 of 34 Top 14.7% in 5B-7B tier

AMR Growth Rate

growth

Value: 7.17%

Peer Avg: -

#6 of 34 Top 14.7% in 5B-7B tier

Return on Assets (ROA)

profitability

Value: 1.08%

Peer Avg: -

#7 of 34 Top 17.6% in 5B-7B tier

Total Members

engagement

Value: 377,536

Peer Avg: -

#7 of 34 Top 17.6% in 5B-7B tier

Top Weaknesses (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 1.55%

Peer Avg: -

#34 of 34 Bottom 2.9% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 41.01%

Peer Avg: -

#32 of 34 Bottom 8.8% in 5B-7B tier