BlastPoint's Credit Union Scorecard
NEW HAMPSHIRE
Charter #4746 · NH
NEW HAMPSHIRE has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 68.5% in tier
- + Organic Growth Engine: Top 90.1% in tier
- + Total Delinquency Rate (60+ days): Top 4.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.2% in tier
- + Loan-to-Share Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 41.0% in tier
- - Credit Risk Growth: Bottom 65.0% in tier
- - Indirect Auto Dependency: Bottom 75.6% in tier
- - Credit Quality Pressure: Bottom 99.9% in tier
- - ROA 0.17% below tier average
- - Asset Growth Rate: Bottom 3.3% in tier
- - Fee Income Per Member: Bottom 4.8% in tier
- - Indirect Auto Concentration (%): Bottom 7.2% in tier
- - Net Interest Margin (NIM): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,265
+1.9% YoY-0.2% QoQ
|
-172 |
15,437
-2.9% YoY
|
70,033
+11.3% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$332.5M
-4.2% YoY-3.7% QoQ
|
+$100.6M |
$231.9M
+1.3% YoY
|
$1.1B
+17.2% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$253.1M
+11.7% YoY+1.1% QoQ
|
+$105.8M |
$147.3M
-0.1% YoY
|
$907.6M
+17.0% YoY
|
$397.0M
+8.8% YoY
|
Top 13.8% in tier |
| Deposits |
$271.0M
+0.4% YoY-0.8% QoQ
|
+$70.2M |
$200.8M
+0.8% YoY
|
$990.9M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.6%
+68.2% YoY+8.8% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.8%
-4.7% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
2.7%
+31.8% YoY+8.1% QoQ
|
-0.9% |
3.6%
+6.7% YoY
|
3.4%
+0.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio |
76.4%
-7.9% YoY+0.1% QoQ
|
-0.6% |
77.0%
-3.1% YoY
|
76.4%
-1.4% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.1%
+0.8% YoY-8.5% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
0.7%
+50.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 4.1% in tier |
| Loan To Share |
93.4%
+11.3% YoY+1.9% QoQ
|
+21.2% |
72.2%
-1.1% YoY
|
74.1%
-1.1% YoY
|
67.4%
-1.7% YoY
|
Top 8.9% in tier |
| AMR |
$34,332
+3.6% YoY+0.4% QoQ
|
+$10K |
$24,676
+3.4% YoY
|
$26,084
+9.1% YoY
|
$19,687
+2.0% YoY
|
Top 10.4% in tier |
| CD Concentration |
29.4%
+4.0% YoY+1.7% QoQ
|
+5.0% | 24.4% | 31.6% | 19.8% | 50% |
| Indirect Auto % |
41.6%
+24.7% YoY-1.1% QoQ
|
+27.8% | 13.8% | 17.0% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)