BlastPoint's Credit Union Scorecard

KIRTLAND

Charter #12199 · NM

Mid-Market 1B-3B

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

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KIRTLAND faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 70.5% in tier
- Stagnation Risk: Bottom 87.9% in tier
- Membership Headwinds: Bottom 87.9% in tier
- ROA 0.19% below tier average
- Efficiency ratio 0.16% above tier (higher cost structure)
- Member decline: -2.5% YoY
- Total Loans: Bottom 7.8% in tier
- Total Members: Bottom 7.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	50,782 -2.5% YoY+0.0% QoQ	-45.3K	96,048 -2.7% YoY	30,914 +5.7% YoY	33,913 +5.7% YoY	Bottom 7.5% in tier
Assets	$1.1B +3.0% YoY+1.6% QoQ	$-612.3M	$1.7B +0.4% YoY	$559.7M +10.6% YoY	$578.3M +9.0% YoY	Bottom 11.1% in tier
Loans	$701.5M -0.4% YoY-2.3% QoQ	$-512.2M	$1.2B +0.2% YoY	$378.7M +12.3% YoY	$402.4M +8.7% YoY	Bottom 7.5% in tier
Deposits	$967.2M +2.5% YoY+1.6% QoQ	$-498.3M	$1.5B +0.5% YoY	$478.4M +9.0% YoY	$494.3M +9.1% YoY	Bottom 13.4% in tier

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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	0.5% -10.2% QoQ	-0.2%	0.7% +27.6% YoY	0.8% +125.8% YoY	0.4% -39.2% YoY	34%
NIM	3.4% +12.0% YoY+6.6% QoQ	+0.0%	3.4% +6.2% YoY	3.9% +3.5% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	74.8% +3.5% YoY+2.6% QoQ	+0.2%	74.6% -3.0% YoY	76.9% -4.0% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	0.8% -5.1% YoY-41.9% QoQ	+0.0	0.8% +6.9% YoY	0.9% +18.5% YoY	1.2% +3.4% YoY	66%
Loan To Share	72.5% -2.9% YoY-3.9% QoQ	-10.7%	83.2% -0.4% YoY	69.3% +1.3% YoY	65.6% -1.4% YoY	19%
AMR	$32,860 +3.8% YoY-0.1% QoQ	+$3K	$29,652 +2.3% YoY	$21,135 +4.9% YoY	$19,920 +1.6% YoY	74%
CD Concentration	28.2% -7.0% YoY-1.0% QoQ	-0.6%	28.8%	24.0%	19.8%	49%
Indirect Auto %	23.2% -29.0% YoY-9.1% QoQ	+5.1%	18.1%	14.3%	7.7%	67%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Stagnation Risk

risk

#34 of 91 • Bottom 87.9% 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): -2.46%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.45%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.79%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Membership Headwinds

decline

#47 of 91 • Bottom 87.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.46%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk

#132 of 198 • Bottom 70.5% in tier

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

Why This Signature

Asset Growth (YoY): 3.00%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 23.19%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.46%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

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 306 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

283

Total Loans

balance_sheet

Value: $701.49M

Peer Median: $1.11B

#283 of 306 Bottom 7.8% in 1B-3B tier

283

Total Members

engagement

Value: 50,782

Peer Median: 85,918

#283 of 306 Bottom 7.8% in 1B-3B tier

275

Net Charge-Off Rate

risk

Value: 1.10%

Peer Median: 0.51%

#275 of 306 Bottom 10.5% in 1B-3B tier

272

Total Assets

balance_sheet

Value: $1.11B

Peer Median: $1.51B

#272 of 306 Bottom 11.4% in 1B-3B tier

267

Member Growth Rate

growth

Value: -2.46%

Peer Median: 2.03%

#267 of 306 Bottom 13.1% in 1B-3B tier

265

Total Deposits

balance_sheet

Value: $967.22M

Peer Median: $1.31B

#265 of 306 Bottom 13.7% in 1B-3B tier

255

Loan Growth Rate

growth

Value: -0.45%

Peer Median: 5.67%

#255 of 306 Bottom 17.0% in 1B-3B tier

247

Loan-to-Share Ratio

balance_sheet

Value: 72.53%

Peer Median: 85.31%

#247 of 306 Bottom 19.6% in 1B-3B tier

242

Members Per Employee (MPE)

engagement

Value: 293.538

Peer Median: 345.077

#242 of 306 Bottom 21.2% in 1B-3B tier

239

First Mortgage Concentration (%)

balance_sheet

Value: 43.47%

Peer Median: 33.05%

#239 of 306 Bottom 22.2% in 1B-3B tier