BlastPoint's Credit Union Scorecard

MEMBERS FIRST CREDIT UNION OF N.H.

Charter #65491 · NH

1069 CUs in 100M-500M nationally 3 in NH

MEMBERS FIRST CREDIT UNION OF N.H. has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

NH Analysis

How does NH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 69.3% in tier
+ ROA 0.12% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 14.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NH)	National Avg	Tier Percentile
Members	13,027 +0.1% YoY-0.4% QoQ	-2.4K	15,437 -2.9% YoY	70,033 +11.3% YoY	33,374 +5.7% YoY	48%
Assets	$277.5M +8.0% YoY+1.4% QoQ	+$45.7M	$231.9M +1.3% YoY	$1.1B +17.2% YoY	$561.6M +9.7% YoY	69%
Loans	$145.3M -0.6% YoY-0.2% QoQ	$-2.1M	$147.3M -0.1% YoY	$907.6M +17.0% YoY	$397.0M +8.8% YoY	59%
Deposits	$253.4M +6.3% YoY+0.9% QoQ	+$52.6M	$200.8M +0.8% YoY	$990.9M +17.6% YoY	$477.3M +9.7% YoY	72%

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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	0.9% +17.8% YoY-1.4% QoQ	+0.1%	0.8% +18.2% YoY	0.8% -4.7% YoY	0.7% +15.9% YoY	59%
NIM	3.3% +0.5% YoY+0.4% QoQ	-0.3%	3.6% +6.7% YoY	3.4% +0.4% YoY	3.8% +5.1% YoY	32%
Efficiency Ratio	74.5% -2.9% YoY-0.1% QoQ	-2.5%	77.0% -3.1% YoY	76.4% -1.4% YoY	79.7% -3.3% YoY	39%
Delinquency Rate	0.9% +179.6% YoY+23.6% QoQ	-0.0	0.9% +4.2% YoY	0.7% +50.4% YoY	1.3% -2.1% YoY	60%
Loan To Share	57.3% -6.5% YoY-1.1% QoQ	-14.9%	72.2% -1.1% YoY	74.1% -1.1% YoY	67.4% -1.7% YoY	19%
AMR	$30,601 +3.6% YoY+0.9% QoQ	+$6K	$24,676 +3.4% YoY	$26,084 +9.1% YoY	$19,687 +2.0% YoY	83%
CD Concentration	23.2% +2.6% YoY-3.3% QoQ	-1.2%	24.4%	31.6%	19.8%	50%
Indirect Auto %	14.8% -10.6% YoY-1.8% QoQ	+1.0%	13.8%	17.0%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#186 of 268 • Top 69.3% 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): 3.59%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $5.1K

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

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (1)

Credit Quality Pressure

risk

#105 of 705 • Bottom 14.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.56% points

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

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 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 1069 peers in tier

Top Strengths (2 metrics)

177

Average Member Relationship (AMR)

engagement

Value: $30,601

Peer Median: -

#177 of 1069 Top 16.5% in 100M-500M tier

255

Asset Growth Rate

growth

Value: 7.95%

Peer Median: -

#255 of 1069 Top 23.8% in 100M-500M tier

Top Weaknesses (3 metrics)

917

Net Worth Ratio

risk

Value: 9.06%

Peer Median: -

#917 of 1069 Bottom 14.3% in 100M-500M tier

903

First Mortgage Concentration (%)

balance_sheet

Value: 48.11%

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier

866

Loan-to-Share Ratio

balance_sheet

Value: 57.34%

Peer Median: -

#866 of 1069 Bottom 19.1% in 100M-500M tier