BlastPoint's Credit Union Scorecard
FOUR CORNERS
Charter #16754 · NM
FOUR CORNERS has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 1.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.6% in tier
- + Deposit Growth Rate: Top 5.4% in tier
- + Asset Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.68% above tier (higher cost structure)
- - Member decline: -15.0% YoY
- - Member Growth Rate: Bottom 2.5% in tier
- - Average Member Relationship (AMR): Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,925
-15.0% YoY-0.7% QoQ
|
+2.3K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
Top 14.5% in tier |
| Assets |
$15.3M
+11.5% YoY+5.4% QoQ
|
$-14.9M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$9.9M
+1.6% YoY-3.3% QoQ
|
$-5.9M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$12.1M
+13.1% YoY+6.8% QoQ
|
$-13.6M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
1.1%
+752.3% YoY-12.1% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
5.2%
-9.9% YoY-1.8% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Top 9.9% in tier |
| Efficiency Ratio |
88.2%
-9.3% YoY+1.4% QoQ
|
+5.7% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.3%
-66.3% YoY-50.4% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
81.8%
-10.1% YoY-9.4% QoQ
|
+21.1% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$4,468
+26.6% YoY+2.8% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.4% in tier |
| CD Concentration |
18.4%
-13.6% YoY-6.0% QoQ
|
-6.1% | 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)