BlastPoint's Credit Union Scorecard
QUAY SCHOOLS
Charter #14758 · NM
QUAY SCHOOLS has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Net Interest Margin 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 7.4% in tier
- + Loan Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.65% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,147
-1.8% YoY+0.5% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$8.4M
+4.9% YoY+1.9% QoQ
|
$-21.8M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$6.2M
+10.9% YoY+1.3% QoQ
|
$-9.5M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$6.6M
+5.2% YoY+2.3% QoQ
|
$-19.0M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.7%
-31.3% YoY-5.8% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
4.3%
-2.1% YoY+2.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
86.2%
+8.0% YoY+1.3% QoQ
|
+3.7% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.0%
-91.9% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.6% in tier |
| Loan To Share |
93.9%
+5.4% YoY-0.9% QoQ
|
+33.3% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
Top 7.5% in tier |
| AMR |
$11,235
+9.9% YoY+1.3% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
30.4%
-7.8% YoY+0.6% QoQ
|
+6.0% | 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)