BlastPoint's Credit Union Scorecard
FOUR CORNERS
Charter #16754 · NM
FOUR CORNERS has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.30% above tier average
- + AMR Growth Rate: Top 1.7% in tier
- + Loan-to-Share Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.81% below tier average
- - Efficiency ratio 18.52% above tier (higher cost structure)
- - Member decline: -18.1% YoY
- - Member Growth Rate: Bottom 2.2% in tier
- - Average Member Relationship (AMR): Bottom 8.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in New Mexico.
- Shares and deposits +3.2% year over year ($11.7M in shares and deposits).
- Membership: 4,660 members, -18.1% vs a year ago.
- Delinquency rate 0.08%.
- Return on assets 0.68%.
- Efficiency ratio 107.28% vs a 88.77% peer average.
- Loan-to-share ratio 90.70% 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 |
4,660
-18.1% YoY+0.6% QoQ
|
+2.1K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$14.8M
+2.3% YoY-1.6% QoQ
|
$-15.4M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$10.6M
+7.2% YoY+10.5% QoQ
|
$-4.9M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$11.7M
+3.2% YoY-2.0% QoQ
|
$-14.1M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
0.7%
-67.2% YoY-237.6% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
5.2%
-0.0% YoY+2.5% QoQ
|
+1.3% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
107.3%
+37.9% YoY+2.2% QoQ
|
+18.5% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.2% in tier |
| Delinquency Rate |
0.1%
-89.8% YoY-83.6% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
19% |
| Loan To Share |
90.7%
+3.9% YoY+12.8% QoQ
|
+31.8% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
Top 8.6% in tier |
| AMR |
$4,784
+28.4% YoY+3.0% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.3% in tier |
| CD Concentration |
17.9%
-7.4% YoY+7.1% QoQ
|
-6.7% | 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)