BlastPoint's Credit Union Scorecard

BELLWETHER COMMUNITY

Charter #60747 · NH

Community 500M-750M

167 CUs in 500M-750M nationally 2 in NH

View Community leaderboard →

BELLWETHER COMMUNITY has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NH Analysis

How does NH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 14.1% in tier
+ Wallet Share Momentum: Top 14.1% in tier
+ Loan-to-Member Ratio (LMR): Top 3.0% in tier
+ Average Member Relationship (AMR): Top 3.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 12.9% in tier
- Liquidity Strain: Bottom 13.1% in tier
- Indirect Auto Dependency: Bottom 16.9% in tier
- Credit Quality Pressure: Bottom 37.0% in tier
- Credit Risk Growth: Bottom 39.1% in tier
- Membership Headwinds: Bottom 66.4% in tier
- Stagnation Risk: Bottom 66.4% in tier
- ROA 0.45% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Members	24,377 -1.3% YoY-0.6% QoQ	-13.7K	38,079 -4.8% YoY	70,447 +10.9% YoY	33,913 +5.7% YoY	Bottom 6.6% in tier
Assets	$670.2M +8.4% YoY+1.8% QoQ	+$50.5M	$619.7M -0.2% YoY	$1.2B +16.1% YoY	$578.3M +9.0% YoY	71%
Loans	$499.2M +5.3% YoY-0.2% QoQ	+$79.9M	$419.3M -1.4% YoY	$918.0M +16.0% YoY	$402.4M +8.7% YoY	80%
Deposits	$551.6M +8.4% YoY+3.9% QoQ	+$12.2M	$539.5M -0.1% YoY	$1.0B +16.2% YoY	$494.3M +9.1% YoY	60%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% +40.5% YoY-30.7% QoQ	-0.5%	0.7% +36.0% YoY	0.9% +113.1% YoY	0.4% -39.2% YoY	20%
NIM	2.8% +7.1% YoY+2.9% QoQ	-0.7%	3.5% +4.5% YoY	3.4% +5.0% YoY	3.8% +4.1% YoY	Bottom 12.0% in tier
Efficiency Ratio	90.5% -4.2% YoY+5.2% QoQ	+12.1%	78.4% -3.7% YoY	77.2% -6.5% YoY	84.6% +2.8% YoY	Bottom 10.2% in tier
Delinquency Rate	0.2% +115.2% YoY-31.7% QoQ	-0.5	0.7% -0.9% YoY	0.7% +47.7% YoY	1.2% +3.4% YoY	Top 11.4% in tier
Loan To Share	90.5% -2.9% YoY-3.9% QoQ	+12.8%	77.7% -1.2% YoY	72.7% +0.2% YoY	65.6% -1.4% YoY	81%
AMR	$43,108 +8.3% YoY+2.5% QoQ	+$16K	$26,927 +3.1% YoY	$26,400 +8.8% YoY	$19,920 +1.6% YoY	Top 4.2% in tier
CD Concentration	37.5% -3.9% YoY-4.8% QoQ	+13.2%	24.3%	31.2%	19.8%	Top 9.6% in tier
Indirect Auto %	18.7% +20.7% YoY-1.5% QoQ	+4.9%	13.8%	17.0%	7.7%	69%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#56 of 257 • Top 14.1% 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): 8.35%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.0K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#188 of 491 • Top 14.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.35%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (7)

Efficiency Drag

risk

#30 of 596 • Bottom 12.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.47%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.34%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#217 of 504 • Bottom 16.9% in tier

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

Why This Signature

Asset Growth (YoY): 8.35%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 18.68%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.34%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk

#493 of 727 • Bottom 37.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#332 of 476 • Bottom 39.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.28%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Membership Headwinds

decline

#449 of 570 • Bottom 66.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.34%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Strain

risk

#163 of 183 • Bottom 13.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.50%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.28%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Stagnation Risk

risk

#542 of 570 • Bottom 66.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.34%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 5.28%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.19%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | 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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (9 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $20,479

Peer Median: $11,231

#6 of 167 Top 3.0% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $43,108

Peer Median: $25,600

#7 of 167 Top 3.6% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.19%

Peer Median: 0.62%

#20 of 167 Top 11.4% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.35%

Peer Median: 4.03%

#23 of 167 Top 13.2% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: 0.39%

#27 of 167 Top 15.6% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 90.50%

Peer Median: 79.97%

#31 of 167 Top 18.0% in 500M-750M tier

Deposit Growth Rate

growth

Value: 8.39%

Peer Median: 4.02%

#33 of 167 Top 19.2% in 500M-750M tier

Total Loans

balance_sheet

Value: $499.21M

Peer Median: $427.27M

#34 of 167 Top 19.8% in 500M-750M tier

Asset Growth Rate

growth

Value: 8.35%

Peer Median: 4.66%

#38 of 167 Top 22.2% in 500M-750M tier

Top Weaknesses (6 metrics)

156

Share Certificate Concentration (%)

balance_sheet

Value: 37.52%

Peer Median: 26.29%

#156 of 167 Bottom 7.2% in 500M-750M tier

156

Total Members

engagement

Value: 24,377

Peer Median: 36,874

#156 of 167 Bottom 7.2% in 500M-750M tier

151

Efficiency Ratio

profitability

Value: 90.47%

Peer Median: 78.61%

#151 of 167 Bottom 10.2% in 500M-750M tier

147

Net Interest Margin (NIM)

profitability

Value: 2.81%

Peer Median: 3.48%

#147 of 167 Bottom 12.6% in 500M-750M tier

136

Members Per Employee (MPE)

engagement

Value: 256.600

Peer Median: 318.730

#136 of 167 Bottom 19.2% in 500M-750M tier

134

Return on Assets (ROA)

profitability

Value: 0.24%

Peer Median: 0.61%

#134 of 167 Bottom 20.4% in 500M-750M tier