NEW HAMPSHIRE

Charter #4746 | NH

100M-500M (1077 CUs) Micro
3 100M-500M in NH

NEW HAMPSHIRE has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 26.1% in tier
  • + Organic Growth Engine: Top 28.8% in tier
  • + Relationship Depth Leader: Top 29.3% 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
  • - Liquidity Overhang: Bottom 33.8% 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
 58th in tier
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
 Top 19.1% in tier
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
 Top 23.8% in tier
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
 35th in tier
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
 47th in tier
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
 50th in tier
Indirect Auto % 42.1%
+27.8% YoY+6.5% QoQ
 +28.1% 14.0%
-5.8% YoY
 17.3%
+16.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#720 of 1006 • Top 26.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.97%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

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: 13.96%, 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
#808 of 1006 • Top 29.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

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: 3.64%, 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: 13.96%, 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

Liquidity Overhang

risk
#524 of 552 • Bottom 33.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.55%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 91.65%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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)

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

55
Total Delinquency Rate (60+ days)
risk
Value: 0.10%
Peer Avg: 0.86%
#55 of 1077 Top 5.0% in 100M-500M tier
82
Loan-to-Member Ratio (LMR)
engagement
Value: $16,361
Peer Avg: $10,245
#82 of 1077 Top 7.5% in 100M-500M tier
110
Average Member Relationship (AMR)
engagement
Value: $34,211
Peer Avg: $24,363
#110 of 1077 Top 10.1% in 100M-500M tier
137
Loan-to-Share Ratio
balance_sheet
Value: 91.65%
Peer Avg: 72.70%
#137 of 1077 Top 12.6% in 100M-500M tier
149
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.47%
#149 of 1077 Top 13.7% in 100M-500M tier
153
Total Loans
balance_sheet
Value: $250.35M
Peer Avg: $147.80M
#153 of 1077 Top 14.1% in 100M-500M tier
156
Loan Growth Rate
growth
Value: 10.33%
Peer Avg: 3.45%
#156 of 1077 Top 14.4% in 100M-500M tier
206
Total Assets
balance_sheet
Value: $345.19M
Peer Avg: $231.30M
#206 of 1077 Top 19.0% in 100M-500M tier
234
Members Per Employee (MPE)
engagement
Value: 392.359
Peer Avg: 332.881
#234 of 1077 Top 21.6% in 100M-500M tier
256
Total Deposits
balance_sheet
Value: $273.15M
Peer Avg: $200.29M
#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: $174.31
#1015 of 1077 Bottom 5.8% in 100M-500M tier
1014
Net Interest Margin (NIM)
profitability
Value: 2.50%
Peer Avg: 3.58%
#1014 of 1077 Bottom 5.9% in 100M-500M tier
998
Indirect Auto Concentration (%)
balance_sheet
Value: 42.05%
Peer Avg: 13.34%
#998 of 1077 Bottom 7.4% in 100M-500M tier
965
Asset Growth Rate
growth
Value: -1.79%
Peer Avg: 4.70%
#965 of 1077 Bottom 10.5% in 100M-500M tier