BlastPoint's Credit Union Scorecard

BELLWETHER COMMUNITY

Charter #60747 · NH

Community 500M-750M

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

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BELLWETHER COMMUNITY has 4 strengths but faces 11 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 25.1% in tier
+ Wallet Share Momentum: Top 51.2% 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

- Efficiency Drag: Bottom 31.7% in tier
- Indirect Auto Dependency: Bottom 56.2% in tier
- Liquidity Strain: Bottom 57.3% in tier
- Membership Headwinds: Bottom 70.5% in tier
- Credit Risk Growth: Bottom 89.7% in tier
- Stagnation Risk: Bottom 91.9% in tier
- Credit Quality Pressure: Bottom 92.0% in tier
- ROA 0.32% below tier average
- Efficiency ratio 8.45% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 4.8% in tier
- Total Members: Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Members	24,513 -1.7% YoY-1.1% QoQ	-14.1K	38,575 -4.8% YoY	70,033 +11.3% YoY	33,374 +5.7% YoY	Bottom 6.7% in tier
Assets	$658.0M +6.5% YoY+2.6% QoQ	+$36.3M	$621.7M +0.1% YoY	$1.1B +17.2% YoY	$561.6M +9.7% YoY	66%
Loans	$500.1M +4.3% YoY-0.4% QoQ	+$70.3M	$429.8M -1.8% YoY	$907.6M +17.0% YoY	$397.0M +8.8% YoY	74%
Deposits	$531.1M +7.4% YoY+2.9% QoQ	$-7.6M	$538.7M +0.6% YoY	$990.9M +17.6% YoY	$477.3M +9.7% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +85.5% YoY+11.0% QoQ	-0.3%	0.7% +42.9% YoY	0.8% -4.7% YoY	0.7% +15.9% YoY	28%
NIM	2.7% +10.0% YoY-0.8% QoQ	-0.7%	3.4% +8.0% YoY	3.4% +0.4% YoY	3.8% +5.1% YoY	Bottom 10.3% in tier
Efficiency Ratio	86.0% -2.4% YoY-1.6% QoQ	+8.5%	77.5% -4.1% YoY	76.4% -1.4% YoY	79.7% -3.3% YoY	82%
Delinquency Rate	0.3% +11.4% YoY+39.6% QoQ	-0.6	0.8% -1.1% YoY	0.7% +50.4% YoY	1.3% -2.1% YoY	Bottom 11.5% in tier
Loan To Share	94.2% -2.9% YoY-3.2% QoQ	+14.3%	79.8% -2.3% YoY	74.1% -1.1% YoY	67.4% -1.7% YoY	Top 13.3% in tier
AMR	$42,068 +7.7% YoY+2.4% QoQ	+$15K	$26,849 +2.7% YoY	$26,084 +9.1% YoY	$19,687 +2.0% YoY	Top 4.2% in tier
CD Concentration	39.4% +1.2% YoY-0.5% QoQ	+15.0%	24.4%	31.6%	19.8%	Top 8.0% in tier
Indirect Auto %	19.0% +20.8% YoY+3.1% QoQ	+5.2%	13.8%	17.0%	7.8%	69%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#68 of 268 • Top 25.1% 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): 7.69%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $2.9K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#263 of 513 • Top 51.2% in tier

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

Why This Signature

AMR Growth (YoY): 7.69%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (7)

Efficiency Drag

risk

#171 of 538 • Bottom 31.7% in tier

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

Why This Signature

Efficiency Ratio: 85.96%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -1.70%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#285 of 506 • Bottom 56.2% in tier

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

Why This Signature

Asset Growth (YoY): 6.46%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 18.95%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.70%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Liquidity Strain

risk

#131 of 228 • Bottom 57.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.17%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 4.30%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Membership Headwinds

decline

#391 of 554 • Bottom 70.5% in tier

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

Why This Signature

Member Growth (YoY): -1.70%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#409 of 456 • Bottom 89.7% in tier

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

Why This Signature

Loan Growth (YoY): 4.30%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Stagnation Risk

risk

#509 of 554 • Bottom 91.9% 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): -1.70%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.30%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.28%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#649 of 705 • Bottom 92.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

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 165 peers in tier

Top Strengths (7 metrics)

Average Member Relationship (AMR)

engagement

Value: $42,068

Peer Median: -

#7 of 165 Top 3.6% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,402

Peer Median: -

#7 of 165 Top 3.6% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Median: -

#20 of 165 Top 11.5% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.17%

Peer Median: -

#22 of 165 Top 12.7% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.69%

Peer Median: -

#30 of 165 Top 17.6% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.19%

Peer Median: -

#36 of 165 Top 21.2% in 500M-750M tier

Total Loans

balance_sheet

Value: $500.11M

Peer Median: -

#42 of 165 Top 24.8% in 500M-750M tier

Top Weaknesses (6 metrics)

158

Share Certificate Concentration (%)

balance_sheet

Value: 39.41%

Peer Median: -

#158 of 165 Bottom 4.8% in 500M-750M tier

154

Total Members

engagement

Value: 24,513

Peer Median: -

#154 of 165 Bottom 7.3% in 500M-750M tier

148

Net Interest Margin (NIM)

profitability

Value: 2.73%

Peer Median: -

#148 of 165 Bottom 10.9% in 500M-750M tier

137

Efficiency Ratio

profitability

Value: 85.96%

Peer Median: -

#137 of 165 Bottom 17.6% in 500M-750M tier

128

Members Per Employee (MPE)

engagement

Value: 260.777

Peer Median: -

#128 of 165 Bottom 23.0% in 500M-750M tier

127

Member Growth Rate

growth

Value: -1.70%

Peer Median: -

#127 of 165 Bottom 23.6% in 500M-750M tier