BlastPoint's Credit Union Scorecard
KIRTLAND
Charter #12199 · NM
KIRTLAND has 1 strength but faces 10 concerns
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How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 79.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 26.2% in tier
- - Membership Headwinds: Bottom 52.4% in tier
- - Indirect Auto Dependency: Bottom 67.2% in tier
- - Institutional Decline: Bottom 93.1% in tier
- - ROA 0.10% below tier average
- - Delinquency rate 0.46% above tier average
- - Member decline: -2.4% YoY
- - Total Members: Bottom 7.0% in tier
- - Total Loans: Bottom 8.6% in tier
- - Total Assets: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,767
-2.4% YoY-0.1% QoQ
|
-46.7K |
97,431
-2.4% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
Bottom 6.6% in tier |
| Assets |
$1.1B
+3.1% YoY+0.9% QoQ
|
$-633.1M |
$1.7B
+0.9% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.9% in tier |
| Loans |
$718.2M
-1.6% YoY+1.4% QoQ
|
$-516.2M |
$1.2B
+0.5% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.3% in tier |
| Deposits |
$951.7M
+2.7% YoY+1.2% QoQ
|
$-507.7M |
$1.5B
+0.9% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.6% in tier |
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| ROA |
0.6%
-245.5% YoY+54.4% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
3.1%
+6.5% YoY+0.8% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
72.9%
-8.8% YoY-5.4% QoQ
|
-1.1% |
74.1%
-9.5% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
1.4%
-22.7% YoY+14.7% QoQ
|
+0.5 |
0.9%
+6.2% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
75.5%
-4.1% YoY+0.2% QoQ
|
-9.3% |
84.8%
-0.8% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$32,892
+3.3% YoY+1.4% QoQ
|
+$3K |
$29,428
+2.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
28.5%
-5.0% YoY-3.4% QoQ
|
-0.6% | 29.0% | 24.1% | 19.8% | 49% |
| Indirect Auto % |
25.5%
-27.6% YoY-9.0% QoQ
|
+7.2% | 18.3% | 14.3% | 7.8% | 69% |
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)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)