BlastPoint's Credit Union Scorecard

SANDIA AREA

Charter #11316 · NM

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 6 in NM

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SANDIA AREA has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 0.3% in tier
+ Wallet Share Momentum: Top 0.3% in tier
+ ROA 0.49% above tier average
+ AMR Growth Rate: Top 0.1% in tier
+ First Mortgage Concentration (%): Top 0.7% in tier
+ Total Delinquency Rate (60+ days): Top 7.2% in tier
+ Efficiency Ratio: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.9% in tier
- Indirect Auto Dependency: Bottom 27.4% in tier
- Credit Risk Growth: Bottom 37.9% in tier
- Credit Quality Pressure: Bottom 48.2% in tier
- Membership Headwinds: Bottom 100.0% in tier
- Stagnation Risk: Bottom 100.0% in tier
- Member decline: -26.6% YoY
- Member Growth Rate: Bottom 1.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	70,188 -26.6% YoY+1.2% QoQ	-25.9K	96,048 -2.7% YoY	30,914 +5.7% YoY	33,913 +5.7% YoY	28%
Assets	$1.4B +8.0% YoY+1.8% QoQ	$-305.7M	$1.7B +0.4% YoY	$559.7M +10.6% YoY	$578.3M +9.0% YoY	38%
Loans	$1.2B +7.4% YoY+0.8% QoQ	+$276K	$1.2B +0.2% YoY	$378.7M +12.3% YoY	$402.4M +8.7% YoY	61%
Deposits	$1.2B +7.3% YoY+1.5% QoQ	$-223.7M	$1.5B +0.5% YoY	$478.4M +9.0% YoY	$494.3M +9.1% YoY	45%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +1.7% YoY-4.8% QoQ	+0.5%	0.7% +27.6% YoY	0.8% +125.8% YoY	0.4% -39.2% YoY	85%
NIM	3.1% +9.6% YoY+4.3% QoQ	-0.2%	3.4% +6.2% YoY	3.9% +3.5% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	62.2% +3.0% YoY+4.8% QoQ	-12.4%	74.6% -3.0% YoY	76.9% -4.0% YoY	84.6% +2.8% YoY	Top 9.8% in tier
Delinquency Rate	0.2% +30.1% YoY-10.4% QoQ	-0.6	0.8% +6.9% YoY	0.9% +18.5% YoY	1.2% +3.4% YoY	Top 7.2% in tier
Loan To Share	97.8% +0.2% YoY-0.8% QoQ	+14.6%	83.2% -0.4% YoY	69.3% +1.3% YoY	65.6% -1.4% YoY	Top 14.1% in tier
AMR	$34,990 +46.2% YoY-0.0% QoQ	+$5K	$29,652 +2.3% YoY	$21,135 +4.9% YoY	$19,920 +1.6% YoY	82%
CD Concentration	46.3% +2.6% YoY+0.2% QoQ	+17.4%	28.8%	24.0%	19.8%	Top 4.2% in tier
Indirect Auto %	46.6% -4.0% YoY-0.1% QoQ	+28.5%	18.1%	14.3%	7.7%	Bottom 6.8% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#1 of 64 • Top 0.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 46.21%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.6K

(Tier: $3.3K, National: $2.1K)

but worse than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | New qualifier

Wallet Share Momentum

growth

#1 of 125 • Top 0.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 46.21%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#1 of 91 • Bottom 100.0% in tier

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

Why This Signature

Member Growth (YoY): -26.58%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk

#2 of 198 • Bottom 27.4% in tier

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

Why This Signature

Asset Growth (YoY): 8.02%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 46.62%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -26.58%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Strain

risk

#57 of 148 • Bottom 15.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.75%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 7.43%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Stagnation Risk

risk

#45 of 91 • Bottom 100.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -26.58%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 7.43%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.18%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Risk Growth

risk

#128 of 183 • Bottom 37.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.43%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#183 of 225 • Bottom 48.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (10 metrics)

AMR Growth Rate

growth

Value: 46.21%

Peer Median: 3.15%

#1 of 306 Top 0.1% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 7.83%

Peer Median: 33.05%

#3 of 306 Top 0.7% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: 0.63%

#23 of 306 Top 7.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 62.23%

Peer Median: 75.16%

#31 of 306 Top 9.8% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,296

Peer Median: $12,733

#35 of 306 Top 11.1% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 97.75%

Peer Median: 85.31%

#43 of 306 Top 13.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.20%

Peer Median: 0.51%

#46 of 306 Top 14.7% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.21%

Peer Median: 0.66%

#47 of 306 Top 15.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,990

Peer Median: $28,178

#54 of 306 Top 17.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.02%

Peer Median: 4.82%

#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (4 metrics)

304

Member Growth Rate

growth

Value: -26.58%

Peer Median: 2.03%

#304 of 306 Bottom 1.0% in 1B-3B tier

296

Share Certificate Concentration (%)

balance_sheet

Value: 46.26%

Peer Median: 27.93%

#296 of 306 Bottom 3.6% in 1B-3B tier

286

Indirect Auto Concentration (%)

balance_sheet

Value: 46.62%

Peer Median: 13.86%

#286 of 306 Bottom 6.9% in 1B-3B tier

268

Fee Income Per Member

profitability

Value: $128.75

Peer Median: $191.54

#268 of 306 Bottom 12.7% in 1B-3B tier