BlastPoint's Credit Union Scorecard
THE FLORIST
Charter #19567 · NM
THE FLORIST has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 13.54% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
- - Member decline: -2.9% YoY
- - Loan Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
671
-2.9% YoY-0.7% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$7.4M
+1.7% YoY+0.4% QoQ
|
$-22.8M |
$30.2M
+1.3% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$3.7M
-17.5% YoY-7.6% QoQ
|
$-11.6M |
$15.3M
-2.0% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$6.3M
+2.8% YoY+0.6% QoQ
|
$-19.5M |
$25.8M
+0.7% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
-0.4%
-57.8% YoY-36.4% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.8% in tier |
| NIM |
4.2%
+10.1% YoY+5.1% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
104.2%
-6.3% YoY-0.7% QoQ
|
+13.5% |
90.6%
+6.5% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.1% in tier |
| Delinquency Rate |
1.6%
+16.2% YoY+15.0% QoQ
|
+0.1 |
1.5%
+3.8% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
58.9%
-19.7% YoY-8.1% QoQ
|
+0.4% |
58.5%
-3.0% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$14,849
-3.0% YoY-1.9% QoQ
|
$-35 |
$14,884
-1.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
20.9%
-3.7% YoY+0.0% QoQ
|
-3.4% | 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)