BlastPoint's Credit Union Scorecard

SANDIA AREA

Charter #11316 · NM

Mid-Market 1B-3B

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

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SANDIA AREA has 11 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 0.0% in tier
+ Wallet Share Momentum: Top 0.0% in tier
+ Credit Quality Leader: Top 11.7% in tier
+ Profitability Leader: Top 38.3% 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	24%
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	34%
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	58%
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	41%

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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% +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	27%
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	84%
CD Concentration	45.7% +4.8% YoY+1.2% QoQ	+16.8%	29.0% +0.7% 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% -3.0% YoY	14.5% +3.5% YoY	7.9% -2.9% YoY	Top 6.1% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#1 of 67 • 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): 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

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Wallet Share Momentum

growth

#1 of 116 • 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): 50.95%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Credit Quality Leader

growth

#12 of 95 • Top 11.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.13%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.01% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Profitability Leader

growth

#37 of 95 • Top 38.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.31%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.51% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

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: 18.77%, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -24.72%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 12.84%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.13%

(Tier: 0.83%, National: 1.23%)

but better 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: 86.32%, 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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (12 metrics)

AMR Growth Rate

growth

Value: 50.95%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 7.81%

Peer Avg: -

#2 of 304 Top 0.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Avg: -

#10 of 304 Top 3.0% in 1B-3B tier

Efficiency Ratio

profitability

Value: 58.44%

Peer Avg: -

#14 of 304 Top 4.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 14.45%

Peer Avg: -

#17 of 304 Top 5.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 11.88%

Peer Avg: -

#23 of 304 Top 7.2% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.31%

Peer Avg: -

#27 of 304 Top 8.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 12.84%

Peer Avg: -

#33 of 304 Top 10.5% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,468

Peer Avg: -

#34 of 304 Top 10.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Avg: -

#35 of 304 Top 11.2% in 1B-3B tier

Top Weaknesses (5 metrics)

300

Member Growth Rate

growth

Value: -24.72%

Peer Avg: -

#300 of 304 Bottom 1.6% in 1B-3B tier

291

Share Certificate Concentration (%)

balance_sheet

Value: 45.74%

Peer Avg: -

#291 of 304 Bottom 4.6% in 1B-3B tier

286

Indirect Auto Concentration (%)

balance_sheet

Value: 47.10%

Peer Avg: -

#286 of 304 Bottom 6.2% in 1B-3B tier

271

Fee Income Per Member

profitability

Value: $128.64

Peer Avg: -

#271 of 304 Bottom 11.2% in 1B-3B tier

231

Total Members

engagement

Value: 68,226

Peer Avg: -

#231 of 304 Bottom 24.3% in 1B-3B tier