BlastPoint's Credit Union Scorecard
U-1ST COMMUNITY
Charter #10580 · NM
U-1ST COMMUNITY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.93% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 53.64% above tier (higher cost structure)
- - Member decline: -4.1% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in New Mexico.
- Shares and deposits -5.1% year over year ($8.0M in shares and deposits).
- Membership: 826 members, -4.1% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 1.45%.
- Efficiency ratio 142.41% vs a 88.77% peer average.
- Loan-to-share ratio 74.95% vs a 58.89% 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 (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
826
-4.1% YoY-4.7% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$9.3M
-5.1% YoY-2.2% QoQ
|
$-21.0M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$6.0M
-0.7% YoY+5.1% QoQ
|
$-9.5M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$8.0M
-5.1% YoY-1.5% QoQ
|
$-17.8M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
31% |
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| ROA |
1.4%
+98.9% YoY+87.2% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
4.8%
+15.2% YoY-0.2% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
Top 14.7% in tier |
| Efficiency Ratio |
142.4%
+70.4% YoY+68.5% QoQ
|
+53.6% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
0.2%
+23.0% YoY+56.5% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
74.9%
+4.6% YoY+6.7% QoQ
|
+16.1% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$16,898
+0.8% YoY+6.3% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
18.5%
-12.2% YoY+3.4% QoQ
|
-6.0% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.3% | 7.7% | 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)