BlastPoint's Credit Union Scorecard
NEW HAMPSHIRE POSTAL
Charter #66207 · NH
NEW HAMPSHIRE POSTAL has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.78% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,049
-1.3% YoY-0.8% QoQ
|
+433 |
2,615
-1.9% YoY
|
70,033
+11.3% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$65.1M
+6.7% YoY-0.3% QoQ
|
+$35.0M |
$30.1M
+2.1% YoY
|
$1.1B
+17.2% YoY
|
$561.6M
+9.7% YoY
|
Top 14.7% in tier |
| Loans |
$14.2M
-2.8% YoY-2.9% QoQ
|
$-1.6M |
$15.8M
-1.3% YoY
|
$907.6M
+17.0% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$50.2M
+5.4% YoY-1.0% QoQ
|
+$24.5M |
$25.7M
+1.4% YoY
|
$990.9M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
2.4%
+1.4% YoY+1.3% QoQ
|
+1.8% |
0.6%
+10.8% YoY
|
0.8%
-4.7% YoY
|
0.7%
+15.9% YoY
|
Top 3.0% in tier |
| NIM |
3.9%
-1.0% YoY+1.3% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.4%
+0.4% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
42.9%
-2.7% YoY-1.6% QoQ
|
-39.7% |
82.6%
-2.3% YoY
|
76.4%
-1.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
0.1%
-68.9% YoY-20.1% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
+50.4% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
28.2%
-7.8% YoY-2.0% QoQ
|
-32.4% |
60.6%
-3.1% YoY
|
74.1%
-1.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.6% in tier |
| AMR |
$21,119
+4.9% YoY-0.6% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$26,084
+9.1% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 31.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 17.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)