BlastPoint's Credit Union Scorecard
MEMBERS FIRST CREDIT UNION OF N.H.
Charter #65491 · NH
MEMBERS FIRST CREDIT UNION OF N.H. faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Member decline: -2.4% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 2 that size in New Hampshire.
- Shares and deposits -0.5% year over year ($252M in shares and deposits).
- Membership: 12,827 members, -2.4% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 0.87%.
- Efficiency ratio 76.19% vs a 76.73% peer average.
- Loan-to-share ratio 55.84% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,827
-2.4% YoY-0.7% QoQ
|
-2.3K |
15,168
-2.6% YoY
|
71,149
+11.0% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$277.1M
+1.2% YoY-1.5% QoQ
|
+$45.1M |
$232.0M
+0.7% YoY
|
$1.2B
+16.6% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$140.5M
-4.0% YoY-1.9% QoQ
|
$-5.8M |
$146.3M
+0.2% YoY
|
$948.3M
+16.3% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$251.5M
-0.5% YoY-2.2% QoQ
|
+$50.8M |
$200.7M
+0.2% YoY
|
$1.0B
+16.6% YoY
|
$504.8M
+10.3% YoY
|
72% |
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| ROA |
0.9%
-1.5% YoY+11.9% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
0.9%
+33.3% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
3.3%
+3.2% YoY+2.6% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.5%
+1.7% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
76.2%
+1.6% YoY-0.7% QoQ
|
-0.5% |
76.7%
-0.8% YoY
|
75.7%
-2.9% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.5%
+22.0% YoY+24.8% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.6%
+13.9% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
55.8%
-3.6% YoY+0.3% QoQ
|
-15.7% |
71.5%
-0.3% YoY
|
73.7%
+0.3% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$30,559
+0.6% YoY-1.3% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$26,565
+8.3% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
22.8%
-6.2% YoY-3.3% QoQ
|
-1.8% | 24.6% | 30.9% | 20.0% | 50% |
| Indirect Auto % |
13.1%
-13.2% YoY-5.8% QoQ
|
-0.5% | 13.6% | 17.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)