BlastPoint's Credit Union Scorecard
FOUR CORNERS
Charter #16754 · NM
FOUR CORNERS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.06% above tier average
- + AMR Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
- - Efficiency ratio 14.33% above tier (higher cost structure)
- - Member decline: -6.7% YoY
- - Average Member Relationship (AMR): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,634
-6.7% YoY-5.9% QoQ
|
+2.0K |
2,676
+1.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$15.1M
+4.4% YoY-1.2% QoQ
|
$-15.1M |
$30.2M
+1.3% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
41% |
| Loans |
$9.6M
-1.0% YoY-3.1% QoQ
|
$-5.7M |
$15.3M
-2.0% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$11.9M
+5.5% YoY-1.4% QoQ
|
$-13.8M |
$25.8M
+0.7% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
-0.5%
-115.6% YoY-146.7% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.2% in tier |
| NIM |
5.1%
-3.7% YoY-3.1% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
Top 10.5% in tier |
| Efficiency Ratio |
105.0%
+54.2% YoY+19.0% QoQ
|
+14.3% |
90.6%
+6.5% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.5% in tier |
| Delinquency Rate |
0.5%
-16.8% YoY+85.4% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
43% |
| Loan To Share |
80.4%
-6.2% YoY-1.7% QoQ
|
+21.9% |
58.5%
-3.0% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$4,645
+9.9% YoY+4.0% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.1% in tier |
| CD Concentration |
16.7%
-11.8% YoY-9.1% QoQ
|
-7.6% | 24.3% | 24.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)