BlastPoint's Credit Union Scorecard

SANDIA AREA

Charter #11316 · NM

Mid-Market 1B-3B

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

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SANDIA AREA has 7 strengths but faces 10 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 0.0% in tier
+ Wallet Share Momentum: Top 0.0% in tier
+ ROA 0.59% 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 5.0% in tier
+ Efficiency Ratio: Top 5.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 0.0% in tier
- Indirect Auto Dependency: Bottom 0.5% in tier
- Liquidity Strain: Bottom 23.6% in tier
- Credit Risk Growth: Bottom 50.9% in tier
- Stagnation Risk: Bottom 60.7% in tier
- Credit Quality Pressure: Bottom 71.4% in tier
- Member decline: -25.6% YoY
- Member Growth Rate: Bottom 1.7% in tier
- Share Certificate Concentration (%): Bottom 4.6% in tier
- Indirect Auto Concentration (%): Bottom 6.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	69,356 -25.6% YoY+1.7% QoQ	-28.1K	97,431 -2.4% YoY	30,637 +9.7% YoY	33,374 +5.7% YoY	26%
Assets	$1.4B +11.4% YoY+2.8% QoQ	$-333.5M	$1.7B +0.9% YoY	$552.5M +15.5% YoY	$561.6M +9.7% YoY	36%
Loans	$1.2B +9.8% YoY+1.1% QoQ	$-29.6M	$1.2B +0.5% YoY	$373.6M +15.3% YoY	$397.0M +8.8% YoY	58%
Deposits	$1.2B +12.4% YoY+2.9% QoQ	$-236.3M	$1.5B +0.9% YoY	$467.0M +13.7% YoY	$477.3M +9.7% YoY	42%

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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	1.3% +49.3% YoY-2.8% QoQ	+0.6%	0.7% +20.9% YoY	0.9% +81.1% YoY	0.7% +15.9% YoY	Top 9.9% in tier
NIM	3.0% +30.1% YoY+0.4% QoQ	-0.3%	3.3% +9.2% YoY	3.9% +5.3% YoY	3.8% +5.1% YoY	28%
Efficiency Ratio	59.4% -13.1% YoY+1.6% QoQ	-14.7%	74.1% -9.5% YoY	74.2% -10.1% YoY	79.7% -3.3% YoY	Bottom 5.3% in tier
Delinquency Rate	0.2% +63.8% YoY+51.9% QoQ	-0.7	0.9% +6.2% YoY	1.0% -7.4% YoY	1.3% -2.1% YoY	Bottom 5.0% in tier
Loan To Share	98.5% -2.3% YoY-1.7% QoQ	+13.7%	84.8% -0.8% YoY	71.2% -0.7% YoY	67.4% -1.7% YoY	85%
AMR	$35,005 +49.3% YoY+0.3% QoQ	+$6K	$29,428 +2.4% YoY	$20,852 +6.0% YoY	$19,687 +2.0% YoY	83%
CD Concentration	46.2% +3.8% YoY+0.9% QoQ	+17.1%	29.0%	24.1%	19.8%	Top 5.1% in tier
Indirect Auto %	46.7% -5.0% YoY-0.9% QoQ	+28.3%	18.3%	14.3%	7.8%	Top 6.4% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#1 of 65 • Top 0.0% 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): 49.32%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $2.6K

(Tier: $3.2K, National: $2.0K)

but worse than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | New qualifier

Wallet Share Momentum

growth

#1 of 123 • Top 0.0% in tier

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

Why This Signature

AMR Growth (YoY): 49.32%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (6)

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): -25.61%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Indirect Auto Dependency

risk

#2 of 196 • Bottom 0.5% in tier

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

Why This Signature

Asset Growth (YoY): 11.44%

(Tier: 6.83%, National: 3.54%)

but better than tier avg

Indirect Auto %: 46.66%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -25.61%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Liquidity Strain

risk

#40 of 166 • Bottom 23.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.51%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 9.78%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Credit Risk Growth

risk

#84 of 164 • Bottom 50.9% in tier

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

Why This Signature

Loan Growth (YoY): 9.78%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

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

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Stagnation Risk

risk

#52 of 85 • Bottom 60.7% 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): -25.61%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 9.78%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.20%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Credit Quality Pressure

risk

#151 of 211 • Bottom 71.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

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

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (12 metrics)

AMR Growth Rate

growth

Value: 49.32%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 7.69%

Peer Median: -

#2 of 302 Top 0.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: -

#16 of 302 Top 5.0% in 1B-3B tier

Efficiency Ratio

profitability

Value: 59.38%

Peer Median: -

#17 of 302 Top 5.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.27%

Peer Median: -

#30 of 302 Top 9.6% in 1B-3B tier

Deposit Growth Rate

growth

Value: 12.38%

Peer Median: -

#32 of 302 Top 10.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 11.44%

Peer Median: -

#36 of 302 Top 11.6% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,371

Peer Median: -

#37 of 302 Top 11.9% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 98.51%

Peer Median: -

#46 of 302 Top 14.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.21%

Peer Median: -

#48 of 302 Top 15.6% in 1B-3B tier

Top Weaknesses (4 metrics)

298

Member Growth Rate

growth

Value: -25.61%

Peer Median: -

#298 of 302 Bottom 1.7% in 1B-3B tier

289

Share Certificate Concentration (%)

balance_sheet

Value: 46.16%

Peer Median: -

#289 of 302 Bottom 4.6% in 1B-3B tier

283

Indirect Auto Concentration (%)

balance_sheet

Value: 46.66%

Peer Median: -

#283 of 302 Bottom 6.6% in 1B-3B tier

272

Fee Income Per Member

profitability

Value: $129.26

Peer Median: -

#272 of 302 Bottom 10.3% in 1B-3B tier