BlastPoint's Credit Union Scorecard
THE FLORIST
Charter #19567 · NM
THE FLORIST has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.25% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
- - Efficiency ratio 16.47% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
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 -2.2% year over year ($6.0M in shares and deposits).
- Membership: 670 members, -1.6% vs a year ago.
- Delinquency rate 1.90%.
- Return on assets 0.40%.
- Efficiency ratio 105.24% vs a 88.77% peer average.
- Loan-to-share ratio 60.55% 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 |
670
-1.6% YoY-0.1% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$7.1M
-2.3% YoY-3.8% QoQ
|
$-23.2M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$3.6M
-14.9% YoY-1.9% QoQ
|
$-11.8M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$6.0M
-2.2% YoY-4.5% QoQ
|
$-19.8M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
0.4%
-169.1% YoY-214.0% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
4.1%
+3.9% YoY-2.1% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
105.2%
+0.9% YoY+1.0% QoQ
|
+16.5% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
1.9%
+7.8% YoY+19.3% QoQ
|
+0.4 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
60.6%
-13.0% YoY+2.7% QoQ
|
+1.7% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$14,351
-5.8% YoY-3.4% QoQ
|
$-612 |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
21.9%
+1.3% YoY+5.2% QoQ
|
-2.6% | 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)