BlastPoint's Credit Union Scorecard
BELLWETHER COMMUNITY
Charter #60747 · NH
BELLWETHER COMMUNITY has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 24.4% in tier
- + Wallet Share Momentum: Top 24.4% in tier
- + Average Member Relationship (AMR): Top 3.6% in tier
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 12.2% in tier
- - Efficiency Drag: Bottom 16.4% in tier
- - Indirect Auto Dependency: Bottom 18.2% in tier
- - Membership Headwinds: Bottom 68.3% in tier
- - Stagnation Risk: Bottom 68.3% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 10.67% above tier (higher cost structure)
- - Total Members: Bottom 7.3% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in New Hampshire.
- Shares and deposits +6.2% year over year ($542M in shares and deposits).
- Membership: 24,292 members, -1.4% vs a year ago.
- Delinquency rate 0.28%.
- Return on assets 0.28%.
- Efficiency ratio 87.23% vs a 76.56% peer average.
- Loan-to-share ratio 92.83% vs a 79.33% 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 |
24,292
-1.4% YoY-0.3% QoQ
|
-13.6K |
37,897
-5.0% YoY
|
71,149
+11.0% YoY
|
34,678
+6.6% YoY
|
Bottom 6.7% in tier |
| Assets |
$674.7M
+8.1% YoY+0.7% QoQ
|
+$52.4M |
$622.4M
+0.6% YoY
|
$1.2B
+16.6% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$503.1M
+4.3% YoY+0.8% QoQ
|
+$74.6M |
$428.5M
-0.7% YoY
|
$948.3M
+16.3% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$541.9M
+6.2% YoY-1.8% QoQ
|
+$2.2M |
$539.8M
+0.9% YoY
|
$1.0B
+16.6% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
0.3%
+140.2% YoY+18.8% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
0.9%
+33.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.7% in tier |
| NIM |
2.8%
+4.9% YoY+1.1% QoQ
|
-0.7% |
3.5%
+5.0% YoY
|
3.5%
+1.7% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio |
87.2%
-3.2% YoY-3.6% QoQ
|
+10.7% |
76.6%
-3.6% YoY
|
75.7%
-2.9% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate |
0.3%
-10.8% YoY+45.7% QoQ
|
-0.5 |
0.8%
+3.1% YoY
|
0.6%
+13.9% YoY
|
1.3%
+2.6% YoY
|
Top 13.9% in tier |
| Loan To Share |
92.8%
-1.8% YoY+2.6% QoQ
|
+13.5% |
79.3%
-1.4% YoY
|
73.7%
+0.3% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$43,020
+6.7% YoY-0.2% QoQ
|
+$16K |
$27,294
+4.1% YoY
|
$26,565
+8.3% YoY
|
$20,028
-0.9% YoY
|
Top 4.2% in tier |
| CD Concentration |
36.4%
-7.6% YoY-3.0% QoQ
|
+11.8% | 24.6% | 30.9% | 20.0% | Top 12.7% in tier |
| Indirect Auto % |
18.5%
+9.9% YoY-0.8% QoQ
|
+4.9% | 13.6% | 17.2% | 7.7% | 70% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)