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
- + ROA 0.04% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 30.0% in tier
- - Membership Headwinds: Bottom 57.1% in tier
- - Credit Quality Pressure: Bottom 58.0% in tier
- - Stagnation Risk: Bottom 64.4% in tier
- - Indirect Auto Dependency: Bottom 83.2% in tier
- - Credit Risk Growth: Bottom 88.1% in tier
- - Efficiency ratio 0.88% above tier (higher cost structure)
- - Member decline: -2.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,154
-2.3% YoY-0.4% QoQ
|
+3.1K |
52,084
-1.6% YoY
|
70,033
+11.3% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$858.7M
+1.8% YoY+0.1% QoQ
|
$-5.2M |
$863.9M
+0.5% YoY
|
$1.1B
+17.2% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$578.4M
+0.8% YoY-1.6% QoQ
|
$-27.4M |
$605.8M
+1.4% YoY
|
$907.6M
+17.0% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$703.7M
+2.4% YoY+0.3% QoQ
|
$-33.6M |
$737.3M
+0.1% YoY
|
$990.9M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.8%
+540.4% YoY+14.0% QoQ
|
+0.0% |
0.7%
+39.1% YoY
|
0.8%
-4.7% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.1%
+36.6% YoY+2.0% QoQ
|
-0.3% |
3.4%
+8.7% YoY
|
3.4%
+0.4% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
75.2%
-18.0% YoY-2.1% QoQ
|
+0.9% |
74.3%
-3.6% YoY
|
76.4%
-1.4% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.5%
+45.6% YoY+4.7% QoQ
|
-0.4 |
0.9%
+3.8% YoY
|
0.7%
+50.4% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
82.2%
-1.6% YoY-1.9% QoQ
|
-0.4% |
82.6%
+1.1% YoY
|
74.1%
-1.1% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$23,245
+4.0% YoY-0.1% QoQ
|
$-6K |
$28,873
+2.7% YoY
|
$26,084
+9.1% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
33.9%
+8.0% YoY+1.1% QoQ
|
+9.5% | 24.4% | 31.6% | 19.8% | 81% |
| Indirect Auto % |
20.1%
-10.0% YoY-8.6% QoQ
|
+6.4% | 13.8% | 17.0% | 7.8% | 72% |
Signature Analysis
Strengths (0)
Concerns (6)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)