BlastPoint's Credit Union Scorecard
KIRTLAND
Charter #12199 · NM
KIRTLAND has 1 strength but faces 8 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 37.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 80.4% in tier
- - Stagnation Risk: Bottom 87.4% in tier
- - Membership Headwinds: Bottom 87.4% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 1.68% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Total Members: Bottom 8.0% in tier
- - Total Loans: Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in New Mexico.
- Shares and deposits +1.2% year over year ($962M in shares and deposits).
- Membership: 50,805 members, -2.4% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.54%.
- Efficiency ratio 74.70% vs a 73.02% peer average.
- Loan-to-share ratio 75.29% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,805
-2.4% YoY+0.0% QoQ
|
-46.1K |
96,861
-1.9% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
Bottom 7.7% in tier |
| Assets |
$1.1B
+1.5% YoY-0.6% QoQ
|
$-623.2M |
$1.7B
+0.4% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.3% in tier |
| Loans |
$724.5M
+2.6% YoY+3.3% QoQ
|
$-509.8M |
$1.2B
+0.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.7% in tier |
| Deposits |
$962.2M
+1.2% YoY-0.5% QoQ
|
$-501.2M |
$1.5B
+0.5% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.3% in tier |
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| ROA |
0.5%
+67.4% YoY+3.4% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.4%
+12.6% YoY+1.3% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
74.7%
-2.1% YoY-0.1% QoQ
|
+1.7% |
73.0%
-2.7% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
0.8%
-22.3% YoY+0.6% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
75.3%
+1.4% YoY+3.8% QoQ
|
-9.4% |
84.7%
+0.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$33,199
+4.3% YoY+1.0% QoQ
|
+$4K |
$29,575
+1.5% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
28.5%
-6.4% YoY+0.9% QoQ
|
-0.6% | 29.1% | 24.3% | 20.0% | 48% |
| Indirect Auto % |
20.0%
-33.7% YoY-13.7% QoQ
|
+1.9% | 18.1% | 14.3% | 7.7% | 60% |
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 (3)
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.
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)