BlastPoint's Credit Union Scorecard

BELLWETHER COMMUNITY

Charter #60747 · NH

Community 500M-750M

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

View Community leaderboard →

BELLWETHER COMMUNITY has 7 strengths but faces 9 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 12.1% in tier
+ Wallet Share Momentum: Top 27.9% in tier
+ Credit Quality Leader: Top 39.5% in tier
+ Loan-to-Member Ratio (LMR): Top 4.1% in tier
+ Average Member Relationship (AMR): Top 5.3% in tier
+ Total Delinquency Rate (60+ days): Top 5.9% in tier
+ AMR Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.2% in tier
- Liquidity Strain: Bottom 7.4% in tier
- Indirect Auto Dependency: Bottom 21.4% in tier
- Stagnation Risk: Bottom 23.7% in tier
- Membership Headwinds: Bottom 24.6% in tier
- ROA 0.35% below tier average
- Efficiency ratio 9.30% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 5.9% in tier
- Total Members: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Members	24,774 -1.4% YoY+0.6% QoQ	-15.0K	39,752 -2.7% YoY	69,671 +10.7% YoY	33,089 +6.1% YoY	Bottom 6.5% in tier
Assets	$641.5M +4.9% YoY+2.8% QoQ	+$19.1M	$622.4M +0.3% YoY	$1.1B +16.1% YoY	$547.7M +7.8% YoY	58%
Loans	$501.9M +10.2% YoY+4.0% QoQ	+$66.0M	$435.9M -0.4% YoY	$906.3M +19.0% YoY	$388.7M +8.6% YoY	72%
Deposits	$516.1M +6.3% YoY+1.1% QoQ	$-21.9M	$538.0M +1.3% YoY	$963.7M +15.8% YoY	$464.6M +9.3% YoY	39%

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	0.3% +38.8% YoY+162.6% QoQ	-0.4%	0.7% +33.9% YoY	0.7% -9.7% YoY	0.7% +273.4% YoY	27%
NIM	2.8% +11.8% YoY+1.6% QoQ	-0.7%	3.4% +8.6% YoY	3.4% +0.9% YoY	3.7% +5.0% YoY	Bottom 11.2% in tier
Efficiency Ratio	87.4% -1.9% YoY-3.0% QoQ	+9.3%	78.1% -3.4% YoY	76.5% -1.9% YoY	79.1% -3.3% YoY	84%
Delinquency Rate	0.2% -8.6% YoY-35.7% QoQ	-0.6	0.8% -4.9% YoY	0.6% +40.9% YoY	1.2% -0.9% YoY	Bottom 5.9% in tier
Loan To Share	97.3% +3.6% YoY+2.9% QoQ	+16.2%	81.0% -1.8% YoY	76.0% +1.5% YoY	68.0% -1.7% YoY	Top 11.8% in tier
AMR	$41,092 +9.8% YoY+1.9% QoQ	+$15K	$26,482 +2.6% YoY	$25,778 +8.7% YoY	$19,418 +1.3% YoY	Top 5.9% in tier
CD Concentration	39.6% +4.3% YoY+0.6% QoQ	+15.2%	24.4% +4.2% YoY	31.0% +18.0% YoY	19.6% +6.2% YoY	Top 8.0% in tier
Indirect Auto %	18.4% +28.7% YoY+9.0% QoQ	+4.4%	14.0% -5.7% YoY	17.3% +16.5% YoY	7.9% -2.9% YoY	68%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#32 of 257 • Top 12.1% 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): 9.78%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.7K

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

but worse than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY

Wallet Share Momentum

growth

#135 of 481 • Top 27.9% in tier

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

Why This Signature

AMR Growth (YoY): 9.78%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Credit Quality Leader

growth

#135 of 340 • Top 39.5% in tier

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

Why This Signature

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.02% points

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

better than tier avg

457 nationally

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

Concerns (5)

Efficiency Drag

risk

#93 of 521 • Bottom 5.2% in tier

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

Why This Signature

Efficiency Ratio: 87.39%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.09% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk

#58 of 258 • Bottom 7.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.26%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 10.21%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#344 of 525 • Bottom 21.4% in tier

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

Why This Signature

Asset Growth (YoY): 4.94%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 18.38%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Stagnation Risk

risk

#391 of 550 • Bottom 23.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 10.21%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#406 of 550 • Bottom 24.6% in tier

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

Why This Signature

Member Growth (YoY): -1.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 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 169 peers in tier

Top Strengths (6 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $20,261

Peer Avg: -

#8 of 169 Top 4.1% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $41,092

Peer Avg: -

#10 of 169 Top 5.3% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Avg: -

#11 of 169 Top 5.9% in 500M-750M tier

AMR Growth Rate

growth

Value: 9.78%

Peer Avg: -

#16 of 169 Top 8.9% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 97.26%

Peer Avg: -

#20 of 169 Top 11.2% in 500M-750M tier

Loan Growth Rate

growth

Value: 10.21%

Peer Avg: -

#29 of 169 Top 16.6% in 500M-750M tier

Top Weaknesses (5 metrics)

160

Share Certificate Concentration (%)

balance_sheet

Value: 39.61%

Peer Avg: -

#160 of 169 Bottom 5.9% in 500M-750M tier

158

Total Members

engagement

Value: 24,774

Peer Avg: -

#158 of 169 Bottom 7.1% in 500M-750M tier

150

Net Interest Margin (NIM)

profitability

Value: 2.75%

Peer Avg: -

#150 of 169 Bottom 11.8% in 500M-750M tier

143

Efficiency Ratio

profitability

Value: 87.39%

Peer Avg: -

#143 of 169 Bottom 16.0% in 500M-750M tier

130

Member Growth Rate

growth

Value: -1.43%

Peer Avg: -

#130 of 169 Bottom 23.7% in 500M-750M tier