BlastPoint's Credit Union Scorecard
TRIANGLE
Charter #68210 · NH
TRIANGLE has 1 strength but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 21.1% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 4.0% in tier
- - Credit Quality Pressure: Bottom 30.1% in tier
- - Efficiency Drag: Bottom 35.1% in tier
- - Indirect Auto Dependency: Bottom 67.4% in tier
- - Membership Headwinds: Bottom 92.7% in tier
- - Stagnation Risk: Bottom 92.7% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 7.10% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,195
-5.9% YoY-3.6% QoQ
|
+1.7K |
51,500
+0.7% YoY
|
70,447
+10.9% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$872.0M
+2.2% YoY+1.6% QoQ
|
+$6.3M |
$865.6M
+0.9% YoY
|
$1.2B
+16.1% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$562.9M
-1.3% YoY-2.7% QoQ
|
$-32.4M |
$595.3M
+1.6% YoY
|
$918.0M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$717.6M
+2.3% YoY+2.0% QoQ
|
$-24.5M |
$742.2M
+0.6% YoY
|
$1.0B
+16.2% YoY
|
$494.3M
+9.1% YoY
|
37% |
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| ROA |
0.6%
+81.7% YoY-24.2% QoQ
|
-0.2% |
0.8%
+45.0% YoY
|
0.9%
+113.1% YoY
|
0.4%
-39.2% YoY
|
44% |
| NIM |
3.1%
+11.7% YoY+1.8% QoQ
|
-0.3% |
3.5%
+6.1% YoY
|
3.4%
+5.0% YoY
|
3.8%
+4.1% YoY
|
29% |
| Efficiency Ratio |
82.6%
-4.5% YoY+9.9% QoQ
|
+7.1% |
75.5%
-3.4% YoY
|
77.2%
-6.5% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.4%
+73.6% YoY-32.0% QoQ
|
-0.3 |
0.7%
-0.1% YoY
|
0.7%
+47.7% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
78.4%
-3.5% YoY-4.6% QoQ
|
-2.2% |
80.6%
+0.7% YoY
|
72.7%
+0.2% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$24,072
+7.0% YoY+3.6% QoQ
|
$-5K |
$28,908
+0.7% YoY
|
$26,400
+8.8% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
32.9%
+5.2% YoY-3.1% QoQ
|
+8.6% | 24.3% | 31.2% | 19.8% | 79% |
| Indirect Auto % |
18.4%
-18.9% YoY-8.8% QoQ
|
+4.6% | 13.8% | 17.0% | 7.7% | 68% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)