BlastPoint's Credit Union Scorecard

LIGHTHOUSE

Charter #24964 · NH

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 2 in NH

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LIGHTHOUSE has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NH Analysis

How does NH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 28.2% in tier
+ Net Interest Margin 0.79% above tier average
+ Total Members: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.9% in tier
- Liquidity Strain: Bottom 17.6% in tier
- Indirect Auto Dependency: Bottom 40.9% in tier
- ROA 0.30% below tier average
- Efficiency ratio 8.31% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Members	167,257 +0.9% YoY+1.0% QoQ	+69.8K	97,431 -2.4% YoY	70,033 +11.3% YoY	33,374 +5.7% YoY	Top 6.0% in tier
Assets	$2.0B +6.5% YoY+2.2% QoQ	+$321.0M	$1.7B +0.9% YoY	$1.1B +17.2% YoY	$561.6M +9.7% YoY	70%
Loans	$1.7B +5.5% YoY+1.0% QoQ	+$505.1M	$1.2B +0.5% YoY	$907.6M +17.0% YoY	$397.0M +8.8% YoY	83%
Deposits	$1.8B +7.8% YoY+7.2% QoQ	+$310.2M	$1.5B +0.9% YoY	$990.9M +17.6% YoY	$477.3M +9.7% YoY	72%

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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	0.4% -31.9% YoY-1.8% QoQ	-0.3%	0.7% +20.9% YoY	0.8% -4.7% YoY	0.7% +15.9% YoY	22%
NIM	4.1% +4.6% YoY-0.3% QoQ	+0.8%	3.3% +9.2% YoY	3.4% +0.4% YoY	3.8% +5.1% YoY	Top 8.6% in tier
Efficiency Ratio	82.4% +1.1% YoY-0.5% QoQ	+8.3%	74.1% -9.5% YoY	76.4% -1.4% YoY	79.7% -3.3% YoY	84%
Delinquency Rate	0.4% -6.0% YoY-0.8% QoQ	-0.5	0.9% +6.2% YoY	0.7% +50.4% YoY	1.3% -2.1% YoY	20%
Loan To Share	98.3% -2.1% YoY-5.8% QoQ	+13.5%	84.8% -0.8% YoY	74.1% -1.1% YoY	67.4% -1.7% YoY	84%
AMR	$20,980 +5.6% YoY+3.0% QoQ	$-8K	$29,428 +2.4% YoY	$26,084 +9.1% YoY	$19,687 +2.0% YoY	Bottom 9.3% in tier
CD Concentration	28.3% +14.6% YoY+16.3% QoQ	-0.8%	29.0%	31.6%	19.8%	48%
Indirect Auto %	32.4% +1.4% YoY+0.7% QoQ	+14.0%	18.3%	17.0%	7.8%	80%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#105 of 123 • Top 28.2% in tier

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

Why This Signature

AMR Growth (YoY): 5.64%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#54 of 196 • Bottom 40.9% in tier

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

Why This Signature

Asset Growth (YoY): 6.49%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 32.35%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.95%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Liquidity Strain

risk

#65 of 166 • Bottom 17.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.30%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 5.52%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Efficiency Drag

risk

#39 of 90 • Bottom 14.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.36%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.95%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 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 302 peers in tier

Top Strengths (6 metrics)

Total Members

engagement

Value: 167,257

Peer Median: -

#18 of 302 Top 5.6% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.06%

Peer Median: -

#26 of 302 Top 8.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 98.30%

Peer Median: -

#47 of 302 Top 15.2% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.74B

Peer Median: -

#52 of 302 Top 16.9% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 427.767

Peer Median: -

#57 of 302 Top 18.5% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.43%

Peer Median: -

#63 of 302 Top 20.5% in 1B-3B tier

Top Weaknesses (6 metrics)

274

Average Member Relationship (AMR)

engagement

Value: $20,980

Peer Median: -

#274 of 302 Bottom 9.6% in 1B-3B tier

258

Fee Income Per Member

profitability

Value: $142.10

Peer Median: -

#258 of 302 Bottom 14.9% in 1B-3B tier

256

Efficiency Ratio

profitability

Value: 82.36%

Peer Median: -

#256 of 302 Bottom 15.6% in 1B-3B tier

244

Loan-to-Member Ratio (LMR)

engagement

Value: $10,400

Peer Median: -

#244 of 302 Bottom 19.5% in 1B-3B tier

242

Indirect Auto Concentration (%)

balance_sheet

Value: 32.35%

Peer Median: -

#242 of 302 Bottom 20.2% in 1B-3B tier

235

Return on Assets (ROA)

profitability

Value: 0.39%

Peer Median: -

#235 of 302 Bottom 22.5% in 1B-3B tier