BlastPoint's Credit Union Scorecard
NEW HAMPSHIRE
Charter #4746 · NH
NEW HAMPSHIRE has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.39% above tier average
- + Total Delinquency Rate (60+ days): Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Asset Growth Rate: Bottom 2.2% in tier
- - Indirect Auto Concentration (%): Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,242
-1.4% YoY-0.2% QoQ
|
+96 |
15,145
-2.5% YoY
|
70,447
+10.9% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$336.0M
-6.1% YoY+1.1% QoQ
|
+$104.3M |
$231.7M
+0.8% YoY
|
$1.2B
+16.1% YoY
|
$578.3M
+9.0% YoY
|
79% |
| Loans |
$247.2M
+3.1% YoY-2.3% QoQ
|
+$103.1M |
$144.1M
+0.2% YoY
|
$918.0M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
Top 13.3% in tier |
| Deposits |
$276.5M
+0.2% YoY+2.0% QoQ
|
+$75.3M |
$201.1M
+0.4% YoY
|
$1.0B
+16.2% YoY
|
$494.3M
+9.1% YoY
|
76% |
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| ROA |
1.1%
+399.7% YoY+90.8% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.9%
+113.1% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
3.2%
+44.3% YoY+17.4% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.4%
+5.0% YoY
|
3.8%
+4.1% YoY
|
23% |
| Efficiency Ratio |
66.5%
-22.3% YoY-12.9% QoQ
|
-11.5% |
78.0%
-1.7% YoY
|
77.2%
-6.5% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
0.1%
-71.5% YoY-42.5% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
0.7%
+47.7% YoY
|
1.2%
+3.4% YoY
|
Top 3.0% in tier |
| Loan To Share |
89.4%
+2.8% YoY-4.3% QoQ
|
+19.0% |
70.4%
-0.4% YoY
|
72.7%
+0.2% YoY
|
65.6%
-1.4% YoY
|
Top 12.1% in tier |
| AMR |
$34,360
+3.0% YoY+0.1% QoQ
|
+$9K |
$24,918
+2.7% YoY
|
$26,400
+8.8% YoY
|
$19,920
+1.6% YoY
|
Top 11.2% in tier |
| CD Concentration |
29.4%
+3.6% YoY+0.0% QoQ
|
+5.1% | 24.3% | 31.2% | 19.8% | 50% |
| Indirect Auto % |
43.1%
+14.4% YoY+3.7% QoQ
|
+29.3% | 13.8% | 17.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)