BlastPoint's Credit Union Scorecard
SANDIA AREA
Charter #11316 · NM
SANDIA AREA has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 0.5% in tier
- + Wallet Share Momentum: Top 0.5% in tier
- + ROA 0.40% 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 2.3% in tier
- + Loan-to-Member Ratio (LMR): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16.3% in tier
- - Indirect Auto Dependency: Bottom 32.5% in tier
- - Credit Risk Growth: Bottom 37.4% in tier
- - Credit Quality Pressure: Bottom 55.9% in tier
- - Membership Headwinds: Bottom 99.7% in tier
- - Stagnation Risk: Bottom 99.7% in tier
- - Member decline: -26.8% YoY
- - Member Growth Rate: Bottom 1.0% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in New Mexico.
- Shares and deposits +6.5% year over year ($1.25B in shares and deposits).
- Membership: 71,392 members, -26.8% vs a year ago.
- Delinquency rate 0.15%.
- Return on assets 1.22%.
- Efficiency ratio 61.75% vs a 73.02% peer average.
- Loan-to-share ratio 99.81% vs a 84.71% 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 |
71,392
-26.8% YoY+1.7% QoQ
|
-25.5K |
96,861
-1.9% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
30% |
| Assets |
$1.4B
+7.2% YoY+0.8% QoQ
|
$-298.3M |
$1.7B
+0.4% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$1.2B
+7.8% YoY+2.8% QoQ
|
+$14.0M |
$1.2B
+0.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$1.3B
+6.5% YoY+0.7% QoQ
|
$-212.7M |
$1.5B
+0.5% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
1.2%
-1.1% YoY+0.4% QoQ
|
+0.4% |
0.8%
+27.6% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
3.2%
+8.6% YoY+1.4% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
61.8%
+2.8% YoY-0.8% QoQ
|
-11.3% |
73.0%
-2.7% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
Top 12.3% in tier |
| Delinquency Rate |
0.1%
+6.8% YoY-15.2% QoQ
|
-0.7 |
0.9%
+7.3% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Top 2.3% in tier |
| Loan To Share |
99.8%
+1.2% YoY+2.1% QoQ
|
+15.1% |
84.7%
+0.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
Top 14.3% in tier |
| AMR |
$35,003
+46.4% YoY+0.0% QoQ
|
+$5K |
$29,575
+1.5% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
45.9%
+1.6% YoY-0.7% QoQ
|
+16.8% | 29.1% | 24.3% | 20.0% | Top 4.8% in tier |
| Indirect Auto % |
47.1%
-1.5% YoY+1.1% QoQ
|
+29.0% | 18.1% | 14.3% | 7.7% | Bottom 5.6% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)