BlastPoint's Credit Union Scorecard
MEMBERS FIRST CREDIT UNION OF N.H.
Charter #65491 · NH
MEMBERS FIRST CREDIT UNION OF N.H. has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,922
-1.3% YoY-0.8% QoQ
|
-2.2K |
15,145
-2.5% YoY
|
70,447
+10.9% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$281.5M
+3.6% YoY+1.4% QoQ
|
+$49.8M |
$231.7M
+0.8% YoY
|
$1.2B
+16.1% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$143.1M
-2.1% YoY-1.5% QoQ
|
$-1.0M |
$144.1M
+0.2% YoY
|
$918.0M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
60% |
| Deposits |
$257.2M
+2.1% YoY+1.5% QoQ
|
+$56.0M |
$201.1M
+0.4% YoY
|
$1.0B
+16.2% YoY
|
$494.3M
+9.1% YoY
|
73% |
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| ROA |
0.8%
-12.9% YoY-12.0% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.9%
+113.1% YoY
|
0.4%
-39.2% YoY
|
56% |
| NIM |
3.3%
-0.3% YoY-0.9% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.4%
+5.0% YoY
|
3.8%
+4.1% YoY
|
29% |
| Efficiency Ratio |
76.7%
+2.1% YoY+2.9% QoQ
|
-1.3% |
78.0%
-1.7% YoY
|
77.2%
-6.5% YoY
|
84.6%
+2.8% YoY
|
43% |
| Delinquency Rate |
0.4%
+114.2% YoY-51.9% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.7%
+47.7% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
55.6%
-4.1% YoY-2.9% QoQ
|
-14.8% |
70.4%
-0.4% YoY
|
72.7%
+0.2% YoY
|
65.6%
-1.4% YoY
|
19% |
| AMR |
$30,975
+1.9% YoY+1.2% QoQ
|
+$6K |
$24,918
+2.7% YoY
|
$26,400
+8.8% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
23.5%
+1.5% YoY+1.3% QoQ
|
-0.7% | 24.3% | 31.2% | 19.8% | 50% |
| Indirect Auto % |
13.9%
-10.0% YoY-6.0% QoQ
|
+0.1% | 13.8% | 17.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)