BlastPoint's Credit Union Scorecard
THE FLORIST
Charter #19567 · NM
THE FLORIST has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Efficiency ratio 22.40% above tier (higher cost structure)
- - Member decline: -3.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
676
-3.6% YoY-0.6% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$7.3M
+2.1% YoY+2.9% QoQ
|
$-22.8M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$4.0M
-11.3% YoY-2.1% QoQ
|
$-11.8M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$6.2M
+3.4% YoY+3.6% QoQ
|
$-19.5M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
-0.6%
+167.8% YoY-17.0% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.3% in tier |
| NIM |
4.0%
+3.5% YoY-0.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
105.0%
+4.8% YoY-0.8% QoQ
|
+22.4% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Top 8.2% in tier |
| Delinquency Rate |
1.4%
-19.0% YoY-20.6% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
64.2%
-14.2% YoY-5.5% QoQ
|
+3.5% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$15,131
+0.7% YoY+1.9% QoQ
|
+$349 |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
20.8%
-5.1% YoY-5.2% QoQ
|
-3.6% | 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)