LIGHTHOUSE

Charter #24964 | NH

1B-3B (304 CUs) Mid-Market (380 CUs)
2 1B-3B in NH

LIGHTHOUSE has 5 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 25.6% in tier
  • + Relationship Depth Leader: Top 29.0% in tier
  • + Net Interest Margin 0.81% above tier average
  • + Loan-to-Share Ratio: Top 6.2% in tier
  • + Total Members: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 4.6% in tier
  • - Liquidity Strain: Bottom 9.9% in tier
  • - Indirect Auto Dependency: Bottom 11.7% in tier
  • - Credit Quality Pressure: Bottom 19.3% in tier
  • - Growth-at-Risk: Bottom 24.1% in tier
  • - Membership Headwinds: Bottom 29.3% in tier
  • - Stagnation Risk: Bottom 34.7% in tier
  • - ROA 0.31% below tier average
  • - Efficiency ratio 8.84% above tier (higher cost structure)
  • - Average Member Relationship (AMR): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NH) National Avg Tier Percentile
Members 165,616
-0.8% YoY-1.1% QoQ
 +66.9K 98,678
-1.9% YoY
 69,671
+10.7% YoY
 33,089
+6.1% YoY
 Top 7.2% in tier
Assets $2.0B
+2.9% YoY+1.0% QoQ
 +$281.1M $1.7B
+0.5% YoY
 $1.1B
+16.1% YoY
 $547.7M
+7.8% YoY
 68th in tier
Loans $1.7B
+3.7% YoY+1.0% QoQ
 +$489.0M $1.2B
+0.5% YoY
 $906.3M
+19.0% YoY
 $388.7M
+8.6% YoY
 Top 18.1% in tier
Deposits $1.7B
+0.3% YoY-0.2% QoQ
 +$196.0M $1.5B
+1.3% YoY
 $963.7M
+15.8% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 0.4%
-6.5% YoY+67.1% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.7%
-9.7% YoY
 0.7%
+273.4% YoY
 Bottom 22.0% in tier
NIM 4.1%
+6.5% YoY+0.7% QoQ
 +0.8% 3.3%
+9.3% YoY
 3.4%
+0.9% YoY
 3.7%
+5.0% YoY
 Top 8.2% in tier
Efficiency Ratio 82.8%
-1.5% YoY-2.6% QoQ
 +8.8% 74.0%
-10.9% YoY
 76.5%
-1.9% YoY
 79.1%
-3.3% YoY
 Top 15.5% in tier
Delinquency Rate 0.4%
+18.9% YoY+17.0% QoQ
 -0.4 0.8%
+6.1% YoY
 0.6%
+40.9% YoY
 1.2%
-0.9% YoY
 Bottom 25.0% in tier
Loan To Share 104.3%
+3.4% YoY+1.2% QoQ
 +19.2% 85.2%
-0.8% YoY
 76.0%
+1.5% YoY
 68.0%
-1.7% YoY
 Top 6.6% in tier
AMR $20,363
+2.9% YoY+1.5% QoQ
 $-9K $29,172
+2.8% YoY
 $25,778
+8.7% YoY
 $19,418
+1.3% YoY
 Bottom 8.9% in tier
CD Concentration 24.3%
+2.3% YoY-3.0% QoQ
 -4.7% 29.0%
+0.8% YoY
 31.0%
+18.0% YoY
 19.6%
+6.2% YoY
 30th in tier
Indirect Auto % 32.1%
-3.0% YoY-0.2% QoQ
 +13.3% 18.8%
-2.8% YoY
 17.3%
+16.5% YoY
 7.9%
-2.9% YoY
 Top 21.4% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#186 of 264 • Top 25.6% in tier

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

Why This Signature
AMR Growth (YoY): 2.89%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#210 of 264 • Top 29.0% in tier

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

Why This Signature
AMR Growth (YoY): 2.89%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.5K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (7)

Efficiency Drag

risk
#16 of 96 • Bottom 4.6% in tier

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

Why This Signature
Efficiency Ratio: 82.82%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.03% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.85%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Liquidity Strain

risk
#53 of 183 • Bottom 9.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 104.35%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.72%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY

Indirect Auto Dependency

risk
#73 of 202 • Bottom 11.7% in tier

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

Why This Signature
Asset Growth (YoY): 2.89%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 32.13%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.85%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY

Credit Quality Pressure

risk
#149 of 217 • Bottom 19.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Growth-at-Risk

risk
#135 of 161 • Bottom 24.1% in tier

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

Why This Signature
Loan Growth (YoY): 3.72%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Membership Headwinds

decline
#71 of 85 • Bottom 29.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.85%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#84 of 85 • Bottom 34.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.39%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.85%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.4K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 24.31%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | 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 304 peers in tier

Top Strengths (6 metrics)

20
Loan-to-Share Ratio
balance_sheet
Value: 104.35%
Peer Avg: 85.19%
#20 of 304 Top 6.2% in 1B-3B tier
22
Total Members
engagement
Value: 165,616
Peer Avg: 98,678
#22 of 304 Top 6.9% in 1B-3B tier
25
Net Interest Margin (NIM)
profitability
Value: 4.07%
Peer Avg: 3.26%
#25 of 304 Top 7.9% in 1B-3B tier
55
Total Loans
balance_sheet
Value: $1.72B
Peer Avg: $1.23B
#55 of 304 Top 17.8% in 1B-3B tier
56
Members Per Employee (MPE)
engagement
Value: 430.171
Peer Avg: 364.953
#56 of 304 Top 18.1% in 1B-3B tier
77
Total Delinquency Rate (60+ days)
risk
Value: 0.44%
Peer Avg: 0.83%
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (8 metrics)

277
Average Member Relationship (AMR)
engagement
Value: $20,363
Peer Avg: $29,172
#277 of 304 Bottom 9.2% in 1B-3B tier
258
Efficiency Ratio
profitability
Value: 82.82%
Peer Avg: 73.97%
#258 of 304 Bottom 15.5% in 1B-3B tier
254
Fee Income Per Member
profitability
Value: $143.75
Peer Avg: $210.52
#254 of 304 Bottom 16.8% in 1B-3B tier
253
Deposit Growth Rate
growth
Value: 0.30%
Peer Avg: 5.58%
#253 of 304 Bottom 17.1% in 1B-3B tier
243
Indirect Auto Concentration (%)
balance_sheet
Value: 32.13%
Peer Avg: 18.32%
#243 of 304 Bottom 20.4% in 1B-3B tier
239
Loan-to-Member Ratio (LMR)
engagement
Value: $10,398
Peer Avg: $13,213
#239 of 304 Bottom 21.7% in 1B-3B tier
237
Return on Assets (ROA)
profitability
Value: 0.39%
Peer Avg: 0.70%
#237 of 304 Bottom 22.4% in 1B-3B tier
237
Member Growth Rate
growth
Value: -0.85%
Peer Avg: 2.20%
#237 of 304 Bottom 22.4% in 1B-3B tier