BlastPoint's Credit Union Scorecard
MT TAYLOR
Charter #13654 · NM
MT TAYLOR has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Strong member growth: 5.7% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 5.2% in tier
- + Member Growth Rate: Top 5.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 6.7% in tier
- - Total Assets: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
261
+5.7% YoY+0.8% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
Bottom 6.6% in tier |
| Assets |
$2.1M
-1.2% YoY-2.3% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.9% in tier |
| Loans |
$1.2M
+16.7% YoY-2.4% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.5% in tier |
| Deposits |
$1.7M
-2.3% YoY-2.9% QoQ
|
$-24.0M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.2% in tier |
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| ROA |
0.8%
+579.3% YoY-13.2% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
2.8%
+11.1% YoY-4.3% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.9% in tier |
| Efficiency Ratio |
73.6%
-22.8% YoY+4.1% QoQ
|
-9.0% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
72.3%
+19.5% YoY+0.5% QoQ
|
+11.7% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$10,910
-0.8% YoY-3.4% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.3% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)