BlastPoint's Credit Union Scorecard
QUAY SCHOOLS
Charter #14758 · NM
QUAY SCHOOLS has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
- - Efficiency ratio 2.41% above tier (higher cost structure)
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 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in New Mexico.
- Shares and deposits +5.0% year over year ($6.9M in shares and deposits).
- Membership: 1,126 members, -1.3% vs a year ago.
- Delinquency rate 0.03%.
- Return on assets 0.43%.
- Efficiency ratio 91.18% vs a 88.77% peer average.
- Loan-to-share ratio 87.20% vs a 58.89% 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 |
1,126
-1.3% YoY-0.7% QoQ
|
-1.5K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$8.6M
+4.5% YoY+1.9% QoQ
|
$-21.7M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$6.0M
+5.0% YoY-1.6% QoQ
|
$-9.5M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$6.9M
+5.0% YoY+2.2% QoQ
|
$-18.9M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-18.1% YoY+73.8% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
4.3%
+5.4% YoY+1.5% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
91.2%
+3.0% YoY-3.9% QoQ
|
+2.4% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.0%
-95.5% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Top 14.8% in tier |
| Loan To Share |
87.2%
+0.0% YoY-3.8% QoQ
|
+28.3% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
Top 11.7% in tier |
| AMR |
$11,396
+6.4% YoY+1.1% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
32.8%
+11.6% YoY+5.2% QoQ
|
+8.3% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.3% | 7.7% | 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)