BlastPoint's Credit Union Scorecard
KIRTLAND
Charter #12199 · NM
KIRTLAND has 1 strength but faces 13 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 93.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.3% in tier
- - Membership Headwinds: Bottom 20.1% in tier
- - Stagnation Risk: Bottom 20.5% in tier
- - Institutional Decline: Bottom 25.5% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 3.12% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
- - Member decline: -2.2% YoY
- - Members Per Employee (MPE): Bottom 5.3% in tier
- - Loan Growth Rate: Bottom 5.9% in tier
- - Total Members: Bottom 7.2% in tier
- - Total Loans: Bottom 8.2% in tier
- - Total Assets: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,839
-2.2% YoY-2.3% QoQ
|
-47.8K |
98,678
-1.9% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
Bottom 6.9% in tier |
| Assets |
$1.1B
+3.8% YoY-0.4% QoQ
|
$-639.4M |
$1.7B
+0.5% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.6% in tier |
| Loans |
$708.0M
-6.3% YoY+0.3% QoQ
|
$-525.0M |
$1.2B
+0.5% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.9% in tier |
| Deposits |
$940.4M
+3.9% YoY-1.0% QoQ
|
$-513.9M |
$1.5B
+1.3% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.5% in tier |
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| ROA |
0.4%
-436.3% YoY+16.8% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
3.1%
+5.0% YoY+3.4% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
77.1%
-5.5% YoY+1.0% QoQ
|
+3.1% |
74.0%
-10.9% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
1.2%
-39.8% YoY+15.9% QoQ
|
+0.4 |
0.8%
+6.1% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
75.3%
-9.8% YoY+1.4% QoQ
|
-9.9% |
85.2%
-0.8% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$32,426
+1.6% YoY+1.9% QoQ
|
+$3K |
$29,172
+2.8% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
29.5%
-2.0% YoY-3.0% QoQ
|
+0.5% |
29.0%
+0.7% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
55% |
| Indirect Auto % |
28.1%
-25.3% YoY-7.0% QoQ
|
+9.3% |
18.8%
-3.0% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
72% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)