SANDIA AREA

Charter #11316 | NM

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in NM

SANDIA AREA has 10 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.0% in tier
  • + Relationship Depth Leader: Top 6.8% in tier
  • + Emerging Performer: Top 19.8% in tier
  • + ROA 0.61% above tier average
  • + AMR Growth Rate: Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.3% in tier
  • + Total Delinquency Rate (60+ days): Top 3.0% in tier
  • + Efficiency Ratio: Top 4.3% in tier
  • + Deposit Growth Rate: Top 5.3% in tier
  • + Asset Growth Rate: Top 7.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.0% in tier
  • - Membership Headwinds: Bottom 0.0% in tier
  • - Stagnation Risk: Bottom 0.0% in tier
  • - Liquidity Strain: Bottom 4.2% in tier
  • - Member decline: -24.7% YoY
  • - Member Growth Rate: Bottom 1.6% in tier
  • - Share Certificate Concentration (%): Bottom 4.6% in tier
  • - Indirect Auto Concentration (%): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 68,226
-24.7% YoY-30.1% QoQ
 -30.5K 98,678
-1.9% YoY
 30,510
+9.1% YoY
 33,089
+6.1% YoY
 Bottom 24.0% in tier
Assets $1.4B
+11.9% YoY+1.7% QoQ
 $-367.0M $1.7B
+0.5% YoY
 $545.3M
+12.6% YoY
 $547.7M
+7.8% YoY
 34th in tier
Loans $1.2B
+12.8% YoY+2.9% QoQ
 $-41.3M $1.2B
+0.5% YoY
 $367.9M
+14.8% YoY
 $388.7M
+8.6% YoY
 58th in tier
Deposits $1.2B
+14.4% YoY+1.2% QoQ
 $-265.5M $1.5B
+1.3% YoY
 $461.5M
+14.0% YoY
 $464.6M
+9.3% YoY
 41st in tier
ROA 1.3%
+63.9% YoY+6.5% QoQ
 +0.6% 0.7%
+13.4% YoY
 0.9%
+49.5% YoY
 0.7%
+273.4% YoY
 Top 8.9% in tier
NIM 3.0%
+34.3% YoY+2.2% QoQ
 -0.3% 3.3%
+9.3% YoY
 3.9%
+6.9% YoY
 3.7%
+5.0% YoY
 27th in tier
Efficiency Ratio 58.4%
-16.4% YoY-2.7% QoQ
 -15.5% 74.0%
-10.9% YoY
 73.5%
-8.8% YoY
 79.1%
-3.3% YoY
 Bottom 4.3% in tier
Delinquency Rate 0.1%
-5.3% YoY-7.4% QoQ
 -0.7 0.8%
+6.1% YoY
 1.1%
+5.6% YoY
 1.2%
-0.9% YoY
 Bottom 3.0% in tier
Loan To Share 100.3%
-1.4% YoY+1.6% QoQ
 +15.1% 85.2%
-0.8% YoY
 71.6%
-0.2% YoY
 68.0%
-1.7% YoY
 Top 14.8% in tier
AMR $34,892
+50.9% YoY+45.9% QoQ
 +$6K $29,172
+2.8% YoY
 $20,672
+6.3% YoY
 $19,418
+1.3% YoY
 Top 15.8% in tier
CD Concentration 45.7%
+4.8% YoY+1.2% QoQ
 +16.8% 29.0%
+0.8% YoY
 24.3%
+4.3% YoY
 19.6%
+6.2% YoY
 Top 5.3% in tier
Indirect Auto % 47.1%
-5.5% YoY-1.5% QoQ
 +28.3% 18.8%
-2.8% YoY
 14.5%
+3.5% YoY
 7.9%
-2.9% YoY
 Top 6.1% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#1 of 264 • Top 0.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 50.95%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#50 of 264 • Top 6.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 50.95%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Emerging Performer

growth
#106 of 184 • Top 19.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.31%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -24.72%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk
#1 of 202 • Bottom 0.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 11.88%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 47.10%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -24.72%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Membership Headwinds

decline
#1 of 85 • Bottom 0.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -24.72%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#1 of 85 • Bottom 0.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.31%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -24.72%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $34.9K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 45.74%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Liquidity Strain

risk
#23 of 183 • Bottom 4.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 100.25%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 12.84%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (12 metrics)

1
AMR Growth Rate
growth
Value: 50.95%
Peer Avg: 3.29%
#1 of 304 Top 0.0% in 1B-3B tier
2
First Mortgage Concentration (%)
balance_sheet
Value: 7.81%
Peer Avg: 34.01%
#2 of 304 Top 0.3% in 1B-3B tier
10
Total Delinquency Rate (60+ days)
risk
Value: 0.13%
Peer Avg: 0.83%
#10 of 304 Top 3.0% in 1B-3B tier
14
Efficiency Ratio
profitability
Value: 58.44%
Peer Avg: 73.97%
#14 of 304 Top 4.3% in 1B-3B tier
17
Deposit Growth Rate
growth
Value: 14.45%
Peer Avg: 5.58%
#17 of 304 Top 5.3% in 1B-3B tier
23
Asset Growth Rate
growth
Value: 11.88%
Peer Avg: 4.83%
#23 of 304 Top 7.2% in 1B-3B tier
27
Return on Assets (ROA)
profitability
Value: 1.31%
Peer Avg: 0.70%
#27 of 304 Top 8.6% in 1B-3B tier
33
Loan Growth Rate
growth
Value: 12.84%
Peer Avg: 5.27%
#33 of 304 Top 10.5% in 1B-3B tier
34
Loan-to-Member Ratio (LMR)
engagement
Value: $17,468
Peer Avg: $13,213
#34 of 304 Top 10.9% in 1B-3B tier
35
Net Charge-Off Rate
risk
Value: 0.18%
Peer Avg: 0.60%
#35 of 304 Top 11.2% in 1B-3B tier

Top Weaknesses (5 metrics)

300
Member Growth Rate
growth
Value: -24.72%
Peer Avg: 2.20%
#300 of 304 Bottom 1.6% in 1B-3B tier
291
Share Certificate Concentration (%)
balance_sheet
Value: 45.74%
Peer Avg: 28.53%
#291 of 304 Bottom 4.6% in 1B-3B tier
286
Indirect Auto Concentration (%)
balance_sheet
Value: 47.10%
Peer Avg: 18.32%
#286 of 304 Bottom 6.2% in 1B-3B tier
271
Fee Income Per Member
profitability
Value: $128.64
Peer Avg: $210.52
#271 of 304 Bottom 11.2% in 1B-3B tier
231
Total Members
engagement
Value: 68,226
Peer Avg: 98,678
#231 of 304 Bottom 24.3% in 1B-3B tier