BlastPoint's Credit Union Scorecard

NEW HAMPSHIRE

Charter #4746 · NH

1077 CUs in 100M-500M nationally 3 in NH

NEW HAMPSHIRE has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

NH Analysis

How does NH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 17.7% in tier
+ Organic Growth Engine: Top 28.8% in tier
+ Relationship Depth Leader: Top 71.9% in tier
+ Total Delinquency Rate (60+ days): Top 5.0% in tier
+ Loan-to-Member Ratio (LMR): Top 7.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 20.5% in tier
- Indirect Auto Dependency: Bottom 22.2% in tier
- ROA 0.25% below tier average
- Fee Income Per Member: Bottom 5.8% in tier
- Net Interest Margin (NIM): Bottom 5.9% in tier
- Indirect Auto Concentration (%): Bottom 7.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Members	15,302 +2.2% YoY+1.5% QoQ	-326	15,628 -3.4% YoY	69,671 +10.7% YoY	33,089 +6.1% YoY	58%
Assets	$345.2M -1.8% YoY-3.8% QoQ	+$113.9M	$231.3M -0.0% YoY	$1.1B +16.1% YoY	$547.7M +7.8% YoY	81%
Loans	$250.3M +10.3% YoY+2.5% QoQ	+$102.6M	$147.8M -1.4% YoY	$906.3M +19.0% YoY	$388.7M +8.6% YoY	Top 14.2% in tier
Deposits	$273.2M +1.0% YoY-0.9% QoQ	+$72.9M	$200.3M -0.0% YoY	$963.7M +15.8% YoY	$464.6M +9.3% YoY	76%

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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	0.5% +78.6% YoY+26.0% QoQ	-0.2%	0.8% +15.5% YoY	0.7% -9.7% YoY	0.7% +273.4% YoY	35%
NIM	2.5% +25.5% YoY+7.1% QoQ	-1.1%	3.6% +6.9% YoY	3.4% +0.9% YoY	3.7% +5.0% YoY	Bottom 5.8% in tier
Efficiency Ratio	76.3% -9.9% YoY-5.1% QoQ	-1.0%	77.3% -3.0% YoY	76.5% -1.9% YoY	79.1% -3.3% YoY	47%
Delinquency Rate	0.1% -26.5% YoY-54.7% QoQ	-0.8	0.9% +7.6% YoY	0.6% +40.9% YoY	1.2% -0.9% YoY	Bottom 5.0% in tier
Loan To Share	91.7% +9.2% YoY+3.5% QoQ	+19.0%	72.7% -1.5% YoY	76.0% +1.5% YoY	68.0% -1.7% YoY	Top 12.7% in tier
AMR	$34,211 +3.0% YoY-0.8% QoQ	+$10K	$24,363 +2.9% YoY	$25,778 +8.7% YoY	$19,418 +1.3% YoY	Top 10.2% in tier
CD Concentration	28.9% +4.5% YoY+1.2% QoQ	+4.5%	24.4% +4.2% YoY	31.0% +18.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	42.1% +27.8% YoY+6.5% QoQ	+28.1%	14.0% -5.7% YoY	17.3% +16.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Credit Quality Leader

growth

#61 of 340 • Top 17.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.10%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.04% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Organic Growth Engine

growth

#529 of 603 • Top 28.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.25%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.54%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 42.05%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#185 of 257 • Top 71.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.97%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.3K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#160 of 258 • Bottom 20.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.65%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 10.33%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#358 of 525 • Bottom 22.2% in tier

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

Why This Signature

Asset Growth (YoY): -1.79%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 42.05%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.25%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (10 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Avg: -

#55 of 1077 Top 5.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,361

Peer Avg: -

#82 of 1077 Top 7.5% in 100M-500M tier

110

Average Member Relationship (AMR)

engagement

Value: $34,211

Peer Avg: -

#110 of 1077 Top 10.1% in 100M-500M tier

137

Loan-to-Share Ratio

balance_sheet

Value: 91.65%

Peer Avg: -

#137 of 1077 Top 12.6% in 100M-500M tier

149

Net Charge-Off Rate

risk

Value: 0.09%

Peer Avg: -

#149 of 1077 Top 13.7% in 100M-500M tier

153

Total Loans

balance_sheet

Value: $250.35M

Peer Avg: -

#153 of 1077 Top 14.1% in 100M-500M tier

156

Loan Growth Rate

growth

Value: 10.33%

Peer Avg: -

#156 of 1077 Top 14.4% in 100M-500M tier

206

Total Assets

balance_sheet

Value: $345.19M

Peer Avg: -

#206 of 1077 Top 19.0% in 100M-500M tier

234

Members Per Employee (MPE)

engagement

Value: 392.359

Peer Avg: -

#234 of 1077 Top 21.6% in 100M-500M tier

256

Total Deposits

balance_sheet

Value: $273.15M

Peer Avg: -

#256 of 1077 Top 23.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1015

Fee Income Per Member

profitability

Value: $71.61

Peer Avg: -

#1015 of 1077 Bottom 5.8% in 100M-500M tier

1014

Net Interest Margin (NIM)

profitability

Value: 2.50%

Peer Avg: -

#1014 of 1077 Bottom 5.9% in 100M-500M tier

998

Indirect Auto Concentration (%)

balance_sheet

Value: 42.05%

Peer Avg: -

#998 of 1077 Bottom 7.4% in 100M-500M tier

965

Asset Growth Rate

growth

Value: -1.79%

Peer Avg: -

#965 of 1077 Bottom 10.5% in 100M-500M tier