BlastPoint's Credit Union Scorecard
NEW HAMPSHIRE
Charter #4746 · NH
NEW HAMPSHIRE has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Total Delinquency Rate (60+ days): Top 3.7% in tier
- + Loan-to-Member Ratio (LMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Asset Growth Rate: Bottom 1.3% in tier
- - Indirect Auto Concentration (%): Bottom 5.7% in tier
- - Fee Income Per Member: Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 2 that size in New Hampshire.
- Shares and deposits -0.2% year over year ($275M in shares and deposits).
- Membership: 15,179 members, +0.7% vs a year ago.
- Delinquency rate 0.07%.
- Return on assets 1.18%.
- Efficiency ratio 64.65% vs a 76.73% peer average.
- Loan-to-share ratio 91.26% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,179
+0.7% YoY-0.4% QoQ
|
+10 |
15,168
-2.6% YoY
|
71,149
+11.0% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$331.6M
-7.5% YoY-1.3% QoQ
|
+$99.6M |
$232.0M
+0.7% YoY
|
$1.2B
+16.6% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$251.3M
+2.9% YoY+1.6% QoQ
|
+$105.0M |
$146.3M
+0.2% YoY
|
$948.3M
+16.3% YoY
|
$418.6M
+10.1% YoY
|
Top 13.0% in tier |
| Deposits |
$275.3M
-0.2% YoY-0.4% QoQ
|
+$74.6M |
$200.7M
+0.2% YoY
|
$1.0B
+16.6% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA |
1.2%
+176.0% YoY+5.6% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
0.9%
+33.3% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
3.2%
+39.0% YoY+2.3% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.5%
+1.7% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
64.7%
-19.6% YoY-2.8% QoQ
|
-12.1% |
76.7%
-0.8% YoY
|
75.7%
-2.9% YoY
|
83.0%
-5.3% YoY
|
Top 15.0% in tier |
| Delinquency Rate |
0.1%
-70.1% YoY+25.3% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
0.6%
+13.9% YoY
|
1.3%
+2.6% YoY
|
Top 3.7% in tier |
| Loan To Share |
91.3%
+3.1% YoY+2.1% QoQ
|
+19.7% |
71.5%
-0.3% YoY
|
73.7%
+0.3% YoY
|
66.4%
-1.4% YoY
|
Top 12.3% in tier |
| AMR |
$34,693
+0.6% YoY+1.0% QoQ
|
+$10K |
$25,107
+3.2% YoY
|
$26,565
+8.3% YoY
|
$20,028
-0.9% YoY
|
Top 11.3% in tier |
| CD Concentration |
29.8%
+4.2% YoY+1.2% QoQ
|
+5.2% | 24.6% | 30.9% | 20.0% | 50% |
| Indirect Auto % |
44.5%
+12.7% YoY+3.2% QoQ
|
+30.9% | 13.6% | 17.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
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.
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)