BlastPoint's Credit Union Scorecard
HOLY ROSARY
Charter #65088 · NH
HOLY ROSARY has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 21.5% in tier
- + Organic Growth Engine: Top 23.4% in tier
- + Organic Growth Leader: Top 23.8% in tier
- + Wallet Share Momentum: Top 45.8% in tier
- + Credit Quality Leader: Top 68.4% in tier
- + ROA 0.20% above tier average
- + Total Deposits: Top 1.1% in tier
- + Total Assets: Top 2.9% in tier
- + Total Loans: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 16.0% in tier
- - Indirect Auto Dependency: Bottom 20.9% in tier
- - Credit Quality Pressure: Bottom 23.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,109
+1.4% YoY-0.8% QoQ
|
+9.5K |
15,628
-3.4% YoY
|
69,671
+10.7% YoY
|
33,089
+6.1% YoY
|
Top 13.2% in tier |
| Assets |
$471.4M
+9.5% YoY+1.6% QoQ
|
+$240.1M |
$231.3M
-0.0% YoY
|
$1.1B
+16.1% YoY
|
$547.7M
+7.8% YoY
|
Top 3.0% in tier |
| Loans |
$304.1M
+9.9% YoY+2.7% QoQ
|
+$156.3M |
$147.8M
-1.4% YoY
|
$906.3M
+19.0% YoY
|
$388.7M
+8.6% YoY
|
Top 5.7% in tier |
| Deposits |
$424.2M
+8.9% YoY+1.4% QoQ
|
+$223.9M |
$200.3M
-0.0% YoY
|
$963.7M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
Top 1.2% in tier |
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| ROA |
1.0%
+8.6% YoY+10.4% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.7%
-9.7% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
3.2%
+6.1% YoY+1.7% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.4%
+0.9% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
73.9%
-2.0% YoY-2.0% QoQ
|
-3.4% |
77.3%
-3.0% YoY
|
76.5%
-1.9% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.3%
+22.8% YoY-35.7% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
0.6%
+40.9% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
71.7%
+0.9% YoY+1.4% QoQ
|
-1.0% |
72.7%
-1.5% YoY
|
76.0%
+1.5% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$29,003
+7.8% YoY+2.7% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$25,778
+8.7% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
34.9%
+12.4% YoY+1.5% QoQ
|
+10.5% |
24.4%
+4.2% YoY
|
31.0%
+18.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
16.0%
+1.1% YoY+3.1% QoQ
|
+2.0% |
14.0%
-5.7% YoY
|
17.3%
+16.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)