BlastPoint's Credit Union Scorecard
MEMBERS FIRST CREDIT UNION OF N.H.
Charter #65491 · NH
MEMBERS FIRST CREDIT UNION OF N.H. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 77.3% in tier
- + ROA 0.10% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.9% in tier
- - Indirect Auto Dependency: Bottom 26.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,080
+0.0% YoY-0.4% QoQ
|
-2.5K |
15,628
-3.4% YoY
|
69,671
+10.7% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$273.8M
+5.6% YoY-0.0% QoQ
|
+$42.5M |
$231.3M
-0.0% YoY
|
$1.1B
+16.1% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$145.6M
-0.8% YoY-0.5% QoQ
|
$-2.2M |
$147.8M
-1.4% YoY
|
$906.3M
+19.0% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$251.1M
+4.8% YoY-0.6% QoQ
|
+$50.8M |
$200.3M
-0.0% YoY
|
$963.7M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
71% |
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| ROA |
0.9%
+5.8% YoY+1.4% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.7%
-9.7% YoY
|
0.7%
+273.4% YoY
|
58% |
| NIM |
3.3%
-0.1% YoY+1.1% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.4%
+0.9% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
74.6%
-0.7% YoY-0.5% QoQ
|
-2.7% |
77.3%
-3.0% YoY
|
76.5%
-1.9% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.7%
+231.9% YoY+64.3% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
0.6%
+40.9% YoY
|
1.2%
-0.9% YoY
|
52% |
| Loan To Share |
58.0%
-5.3% YoY+0.1% QoQ
|
-14.7% |
72.7%
-1.5% YoY
|
76.0%
+1.5% YoY
|
68.0%
-1.7% YoY
|
19% |
| AMR |
$30,330
+2.7% YoY-0.1% QoQ
|
+$6K |
$24,363
+2.9% YoY
|
$25,778
+8.7% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
24.1%
+6.0% YoY-1.0% QoQ
|
-0.4% |
24.4%
+4.2% YoY
|
31.0%
+18.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
15.0%
-13.3% YoY-0.2% QoQ
|
+1.1% |
14.0%
-5.7% YoY
|
17.3%
+16.5% YoY
|
7.9%
-2.9% YoY
|
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 (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)