BlastPoint's Credit Union Scorecard

LIGHTHOUSE

Charter #24964 · NH

Mid-Market 1B-3B

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

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LIGHTHOUSE has 3 strengths but faces 10 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

+ 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
- Credit Risk Growth: 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	68%
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	82%
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	67%

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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% -6.5% YoY+67.1% QoQ	-0.3%	0.7% +13.4% YoY	0.7% -9.7% YoY	0.7% +273.4% YoY	22%
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	84%
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	25%
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% +0.7% YoY	31.0% +18.0% YoY	19.6% +6.2% YoY	30%
Indirect Auto %	32.1% -3.0% YoY-0.2% QoQ	+13.4%	18.8% -3.0% YoY	17.3% +16.5% YoY	7.9% -2.9% YoY	79%

Signature Analysis

Strengths (0)

No strengths identified

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: 73.43%, 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: 86.32%, 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: 18.77%, 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

Credit Risk Growth

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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.85%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.72%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.44%

(Tier: 0.83%, National: 1.23%)

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 104.35%

Peer Avg: -

#20 of 304 Top 6.2% in 1B-3B tier

Total Members

engagement

Value: 165,616

Peer Avg: -

#22 of 304 Top 6.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.07%

Peer Avg: -

#25 of 304 Top 7.9% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.72B

Peer Avg: -

#55 of 304 Top 17.8% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 430.171

Peer Avg: -

#56 of 304 Top 18.1% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.44%

Peer Avg: -

#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: -

#277 of 304 Bottom 9.2% in 1B-3B tier

258

Efficiency Ratio

profitability

Value: 82.82%

Peer Avg: -

#258 of 304 Bottom 15.5% in 1B-3B tier

254

Fee Income Per Member

profitability

Value: $143.75

Peer Avg: -

#254 of 304 Bottom 16.8% in 1B-3B tier

253

Deposit Growth Rate

growth

Value: 0.30%

Peer Avg: -

#253 of 304 Bottom 17.1% in 1B-3B tier

243

Indirect Auto Concentration (%)

balance_sheet

Value: 32.13%

Peer Avg: -

#243 of 304 Bottom 20.4% in 1B-3B tier

239

Loan-to-Member Ratio (LMR)

engagement

Value: $10,398

Peer Avg: -

#239 of 304 Bottom 21.7% in 1B-3B tier

237

Return on Assets (ROA)

profitability

Value: 0.39%

Peer Avg: -

#237 of 304 Bottom 22.4% in 1B-3B tier

237

Member Growth Rate

growth

Value: -0.85%

Peer Avg: -

#237 of 304 Bottom 22.4% in 1B-3B tier