BlastPoint's Credit Union Scorecard
TRIANGLE
Charter #68210 · NH
TRIANGLE has 1 strength but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 64.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 7.7% in tier
- - Membership Headwinds: Bottom 9.7% in tier
- - Credit Quality Pressure: Bottom 20.7% in tier
- - Indirect Auto Dependency: Bottom 21.5% in tier
- - Credit Risk Growth: Bottom 27.3% in tier
- - ROA 0.02% below tier average
- - Efficiency ratio 2.33% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Fee Income Per Member: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,379
-4.1% YoY-2.7% QoQ
|
+3.3K |
52,114
-2.1% YoY
|
69,671
+10.7% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$857.4M
+2.2% YoY+1.2% QoQ
|
$-1.6M |
$859.0M
+0.0% YoY
|
$1.1B
+16.1% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$587.5M
+1.4% YoY+0.1% QoQ
|
$-15.9M |
$603.4M
+1.0% YoY
|
$906.3M
+19.0% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$701.3M
+3.0% YoY+1.2% QoQ
|
$-32.9M |
$734.2M
+0.9% YoY
|
$963.7M
+15.8% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
0.7%
+625.9% YoY+25.8% QoQ
|
-0.0% |
0.7%
+27.6% YoY
|
0.7%
-9.7% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
3.0%
+41.0% YoY+1.8% QoQ
|
-0.4% |
3.4%
+9.6% YoY
|
3.4%
+0.9% YoY
|
3.7%
+5.0% YoY
|
25% |
| Efficiency Ratio |
76.8%
-17.9% YoY-3.8% QoQ
|
+2.3% |
74.5%
-3.2% YoY
|
76.5%
-1.9% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.5%
+20.4% YoY+4.8% QoQ
|
-0.3 |
0.8%
+5.0% YoY
|
0.6%
+40.9% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
83.8%
-1.5% YoY-1.1% QoQ
|
+1.1% |
82.7%
+0.1% YoY
|
76.0%
+1.5% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$23,272
+6.6% YoY+3.5% QoQ
|
$-5K |
$28,651
+2.5% YoY
|
$25,778
+8.7% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
33.5%
+7.9% YoY+2.9% QoQ
|
+9.1% |
24.4%
+4.2% YoY
|
31.0%
+18.0% YoY
|
19.6%
+6.2% YoY
|
80% |
| Indirect Auto % |
22.0%
-7.8% YoY-5.4% QoQ
|
+8.1% |
14.0%
-5.7% YoY
|
17.3%
+16.5% YoY
|
7.9%
-2.9% YoY
|
74% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
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)