BlastPoint's Credit Union Scorecard
TRIANGLE
Charter #68210 · NH
TRIANGLE has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 28.5% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 4.1% in tier
- - Efficiency Drag: Bottom 34.6% in tier
- - Credit Quality Pressure: Bottom 36.2% in tier
- - Indirect Auto Dependency: Bottom 68.7% in tier
- - Stagnation Risk: Bottom 94.4% in tier
- - Membership Headwinds: Bottom 94.4% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 7.21% above tier (higher cost structure)
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in New Hampshire.
- Shares and deposits +2.9% year over year ($713M in shares and deposits).
- Membership: 52,864 members, -7.1% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 0.61%.
- Efficiency ratio 81.74% vs a 74.54% peer average.
- Loan-to-share ratio 76.90% vs a 82.60% 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 |
52,864
-7.1% YoY-0.6% QoQ
|
+381 |
52,482
+1.3% YoY
|
71,149
+11.0% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$865.7M
+2.2% YoY-0.7% QoQ
|
+$1.8M |
$863.9M
+0.5% YoY
|
$1.2B
+16.6% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$548.5M
-6.5% YoY-2.5% QoQ
|
$-59.3M |
$607.8M
+2.1% YoY
|
$948.3M
+16.3% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$713.3M
+2.9% YoY-0.6% QoQ
|
$-26.6M |
$739.9M
+0.2% YoY
|
$1.0B
+16.6% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.6%
+10.8% YoY+1.9% QoQ
|
-0.2% |
0.8%
+30.4% YoY
|
0.9%
+33.3% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.2%
+9.2% YoY+3.3% QoQ
|
-0.3% |
3.5%
+6.2% YoY
|
3.5%
+1.7% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
81.7%
+2.4% YoY-1.1% QoQ
|
+7.2% |
74.5%
-1.4% YoY
|
75.7%
-2.9% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.6%
+22.7% YoY+64.5% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
0.6%
+13.9% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
76.9%
-9.2% YoY-2.0% QoQ
|
-5.7% |
82.6%
+1.9% YoY
|
73.7%
+0.3% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$23,868
+6.1% YoY-0.8% QoQ
|
$-5K |
$28,702
+0.4% YoY
|
$26,565
+8.3% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
33.1%
+1.5% YoY+0.7% QoQ
|
+8.5% | 24.6% | 30.9% | 20.0% | 79% |
| Indirect Auto % |
16.6%
-29.0% YoY-9.8% QoQ
|
+2.9% | 13.6% | 17.2% | 7.7% | 66% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)