BlastPoint's Credit Union Scorecard
FOUR CORNERS
Charter #16754 · NM
FOUR CORNERS has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Net Interest Margin 1.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.66% above tier (higher cost structure)
- - Member decline: -15.8% YoY
- - Member Growth Rate: Bottom 2.7% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,961
-15.8% YoY-12.8% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
Top 14.3% in tier |
| Assets |
$14.5M
+4.2% YoY-0.1% QoQ
|
$-15.4M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$10.2M
+8.5% YoY+3.5% QoQ
|
$-5.5M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$11.3M
+3.8% YoY+0.1% QoQ
|
$-14.1M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
1.2%
+659.1% YoY-41.9% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
5.3%
-5.6% YoY+2.5% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
Top 9.3% in tier |
| Efficiency Ratio |
87.1%
-9.7% YoY+11.9% QoQ
|
+5.7% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.5%
+142.8% YoY-32.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
90.3%
+4.5% YoY+3.4% QoQ
|
+29.1% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Top 10.7% in tier |
| AMR |
$4,346
+25.8% YoY+16.6% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.2% in tier |
| CD Concentration |
19.5%
-6.5% YoY+1.2% QoQ
|
-4.9% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
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)