BlastPoint's Credit Union Scorecard
LIGHTHOUSE
Charter #24964 · NH
LIGHTHOUSE has 4 strengths but faces 5 concerns
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How does NH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 22.6% in tier
- + ROA 0.59% above tier average
- + Net Interest Margin 0.68% above tier average
- + Total Members: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.4% in tier
- - Indirect Auto Dependency: Bottom 31.3% in tier
- - Credit Risk Growth: Bottom 36.1% in tier
- - Credit Quality Pressure: Bottom 47.4% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
168,543
+1.3% YoY+0.8% QoQ
|
+72.5K |
96,048
-2.7% YoY
|
70,447
+10.9% YoY
|
33,913
+5.7% YoY
|
Top 5.2% in tier |
| Assets |
$2.1B
+7.2% YoY+1.6% QoQ
|
+$358.1M |
$1.7B
+0.4% YoY
|
$1.2B
+16.1% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$1.8B
+7.7% YoY+2.9% QoQ
|
+$575.6M |
$1.2B
+0.2% YoY
|
$918.0M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
Top 14.1% in tier |
| Deposits |
$1.8B
+7.8% YoY+2.2% QoQ
|
+$343.3M |
$1.5B
+0.5% YoY
|
$1.0B
+16.2% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
1.3%
+471.9% YoY+237.2% QoQ
|
+0.6% |
0.7%
+27.6% YoY
|
0.9%
+113.1% YoY
|
0.4%
-39.2% YoY
|
Top 12.4% in tier |
| NIM |
4.0%
+1.0% YoY-0.8% QoQ
|
+0.7% |
3.4%
+6.2% YoY
|
3.4%
+5.0% YoY
|
3.8%
+4.1% YoY
|
Top 10.1% in tier |
| Efficiency Ratio |
69.8%
-17.4% YoY-15.3% QoQ
|
-4.9% |
74.6%
-3.0% YoY
|
77.2%
-6.5% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.3%
+14.2% YoY-20.2% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
0.7%
+47.7% YoY
|
1.2%
+3.4% YoY
|
21% |
| Loan To Share |
98.9%
-0.1% YoY+0.6% QoQ
|
+15.7% |
83.2%
-0.4% YoY
|
72.7%
+0.2% YoY
|
65.6%
-1.4% YoY
|
Top 12.7% in tier |
| AMR |
$21,349
+6.3% YoY+1.8% QoQ
|
$-8K |
$29,652
+2.3% YoY
|
$26,400
+8.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.2% in tier |
| CD Concentration |
28.8%
+16.1% YoY+1.7% QoQ
|
-0.1% | 28.8% | 31.2% | 19.8% | 51% |
| Indirect Auto % |
32.4%
+2.8% YoY+0.1% QoQ
|
+14.3% | 18.1% | 17.0% | 7.7% | 80% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)