BlastPoint's Credit Union Scorecard

SERVICE

Charter #24921 · NH

Large 5B-7B
37 CUs in 5B-7B nationally 1 in NH
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SERVICE has 5 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

  • + ROA 0.08% above tier average
  • + Net Interest Margin 0.51% above tier average
  • + Total Deposits: Top 0.1% in tier
  • + Total Loans: Top 2.7% in tier
  • + Total Assets: Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.6% in tier
  • - Indirect Auto Dependency: Bottom 20.3% in tier
  • - Credit Risk Growth: Bottom 29.7% in tier
  • - Liquidity Strain: Bottom 30.3% in tier
  • - Margin Compression: Bottom 42.4% in tier
  • - Delinquency rate 1.98% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 2.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Members 383,839
+4.5% YoY+0.9% QoQ
 +76.0K 307,793
+7.6% YoY
 70,447
+10.9% YoY
 33,913
+5.7% YoY
 78%
Assets $6.6B
+10.0% YoY+2.6% QoQ
 +$861.2M $5.8B
-0.2% YoY
 $1.2B
+16.1% YoY
 $578.3M
+9.0% YoY
 Top 10.8% in tier
Loans $5.4B
+7.4% YoY+0.7% QoQ
 +$1.2B $4.2B
+0.4% YoY
 $918.0M
+16.0% YoY
 $402.4M
+8.7% YoY
 Top 5.4% in tier
Deposits $5.8B
+10.0% YoY+2.8% QoQ
 +$891.5M $4.9B
+0.2% YoY
 $1.0B
+16.2% YoY
 $494.3M
+9.1% YoY
 Top 2.7% 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%
-18.2% YoY-11.5% QoQ
 +0.1% 0.9%
+47.0% YoY
 0.9%
+113.1% YoY
 0.4%
-39.2% YoY
 60%
NIM 3.7%
+2.8% YoY+0.6% QoQ
 +0.5% 3.2%
+9.8% YoY
 3.4%
+5.0% YoY
 3.8%
+4.1% YoY
 76%
Efficiency Ratio 62.6%
-1.9% YoY-1.1% QoQ
 -4.0% 66.6%
-11.0% YoY
 77.2%
-6.5% YoY
 84.6%
+2.8% YoY
 32%
Delinquency Rate 2.7%
+138.5% YoY-4.2% QoQ
 +2.0 0.7%
+23.3% YoY
 0.7%
+47.7% YoY
 1.2%
+3.4% YoY
 Bottom 2.7% in tier
Loan To Share 92.5%
-2.3% YoY-2.1% QoQ
 +7.8% 84.7%
-0.7% YoY
 72.7%
+0.2% YoY
 65.6%
-1.4% YoY
 68%
AMR $29,031
+4.1% YoY+0.9% QoQ
 $-3K $32,237
-7.3% YoY
 $26,400
+8.8% YoY
 $19,920
+1.6% YoY
 40%
CD Concentration 41.1%
+6.7% YoY-0.2% QoQ
 +12.5% 28.6% 31.2% 19.8% Top 12.1% in tier
Indirect Auto % 16.7%
-4.4% YoY+0.0% QoQ
 +0.4% 16.4% 17.0% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk
#1 of 42 • 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): 1.56% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
42 of 66 Large CUs have this signature | 1013 nationally
→ Stable (39→42 CUs) +3 CUs YoY

Credit Risk Growth

risk
#4 of 35 • Bottom 29.7% in tier

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

Why This Signature
Loan Growth (YoY): 7.44%
(Tier: 7.53%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 1.56% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
35 of 66 Large CUs have this signature | 710 nationally
→ No prior data (35 CUs now) | New qualifier

Liquidity Strain

risk
#15 of 26 • Bottom 30.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 92.55%
(Tier: 82.82%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 7.44%
(Tier: 7.53%, National: 1.74%)
worse than tier avg
26 of 66 Large CUs have this signature | 367 nationally
→ Stable (27→26 CUs) -1 CUs YoY

Indirect Auto Dependency

risk
#24 of 34 • Bottom 20.3% in tier

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

Why This Signature
Asset Growth (YoY): 9.97%
(Tier: 8.53%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 16.74%
(Tier: 16.37%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 4.49%
(Tier: 4.32%, National: 10.19%)
but better than tier avg
34 of 66 Large CUs have this signature | 745 nationally
→ Stable (34→34 CUs) | Rank improving

Margin Compression

decline
#2 of 2 • Bottom 42.4% 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: 0.94%
(Tier: 0.90%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 1.15%
(Tier: 0.79%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.21% points
(Tier: 0.13% points, National: -0.45% points)
worse than tier avg
2 of 66 Large CUs have this signature | 162 nationally
→ No prior data (2 CUs now) | New qualifier

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 37 peers in tier

Top Strengths (10 metrics)

1
Total Deposits
balance_sheet
Value: $5.79B
Peer Median: $4.75B
#1 of 37 Top 0.1% in 5B-7B tier
2
Total Loans
balance_sheet
Value: $5.36B
Peer Median: $4.22B
#2 of 37 Top 2.7% in 5B-7B tier
4
Total Assets
balance_sheet
Value: $6.63B
Peer Median: $5.68B
#4 of 37 Top 8.1% in 5B-7B tier
5
Fee Income Per Member
profitability
Value: $277.16
Peer Median: $194.06
#5 of 37 Top 10.8% in 5B-7B tier
8
Total Members
engagement
Value: 383,839
Peer Median: 298,815
#8 of 37 Top 18.9% in 5B-7B tier
9
Net Interest Margin (NIM)
profitability
Value: 3.67%
Peer Median: 3.16%
#9 of 37 Top 21.6% in 5B-7B tier
9
Asset Growth Rate
growth
Value: 9.97%
Peer Median: 7.02%
#9 of 37 Top 21.6% in 5B-7B tier
9
Deposit Growth Rate
growth
Value: 9.97%
Peer Median: 7.47%
#9 of 37 Top 21.6% in 5B-7B tier
10
Loan Growth Rate
growth
Value: 7.44%
Peer Median: 4.82%
#10 of 37 Top 24.3% in 5B-7B tier
10
Net Worth Ratio
risk
Value: 11.77%
Peer Median: 10.38%
#10 of 37 Top 24.3% in 5B-7B tier

Top Weaknesses (2 metrics)

37
Total Delinquency Rate (60+ days)
risk
Value: 2.68%
Peer Median: 0.65%
#37 of 37 Bottom 2.7% in 5B-7B tier
33
Share Certificate Concentration (%)
balance_sheet
Value: 41.13%
Peer Median: 29.06%
#33 of 37 Bottom 13.5% in 5B-7B tier
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