BlastPoint's Credit Union Scorecard
HOLY ROSARY
Charter #65088 · NH
HOLY ROSARY has 5 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 10.4% in tier
- + Wallet Share Momentum: Top 10.4% in tier
- + ROA 0.27% above tier average
- + Total Delinquency Rate (60+ days): Top 7.2% in tier
- + AMR Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.3% in tier
- - Total Assets: Bottom 3.0% in tier
- - Share Certificate Concentration (%): Bottom 9.6% in tier
- - Total Members: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,316
+0.9% YoY+0.4% QoQ
|
-12.8K |
38,079
-4.8% YoY
|
70,447
+10.9% YoY
|
33,913
+5.7% YoY
|
Bottom 9.0% in tier |
| Assets |
$502.3M
+10.2% YoY+3.1% QoQ
|
$-117.4M |
$619.7M
-0.2% YoY
|
$1.2B
+16.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.4% in tier |
| Loans |
$316.0M
+11.4% YoY+2.2% QoQ
|
$-103.3M |
$419.3M
-1.4% YoY
|
$918.0M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.6% in tier |
| Deposits |
$453.0M
+10.1% YoY+3.2% QoQ
|
$-86.5M |
$539.5M
-0.1% YoY
|
$1.0B
+16.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.2% in tier |
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| ROA |
1.0%
+27.9% YoY-0.2% QoQ
|
+0.3% |
0.7%
+36.0% YoY
|
0.9%
+113.1% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
3.3%
+4.5% YoY+0.9% QoQ
|
-0.2% |
3.5%
+4.5% YoY
|
3.4%
+5.0% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
75.2%
-3.7% YoY+0.8% QoQ
|
-3.2% |
78.4%
-3.7% YoY
|
77.2%
-6.5% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.2%
-23.2% YoY-70.2% QoQ
|
-0.5 |
0.7%
-0.9% YoY
|
0.7%
+47.7% YoY
|
1.2%
+3.4% YoY
|
Top 7.2% in tier |
| Loan To Share |
69.8%
+1.2% YoY-1.0% QoQ
|
-7.9% |
77.7%
-1.2% YoY
|
72.7%
+0.2% YoY
|
65.6%
-1.4% YoY
|
23% |
| AMR |
$30,376
+9.6% YoY+2.4% QoQ
|
+$3K |
$26,927
+3.1% YoY
|
$26,400
+8.8% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
36.8%
+9.9% YoY+2.8% QoQ
|
+12.5% | 24.3% | 31.2% | 19.8% | Top 10.7% in tier |
| Indirect Auto % |
15.5%
+1.1% YoY+0.3% QoQ
|
+1.7% | 13.8% | 17.0% | 7.7% | 63% |
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 (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)