BlastPoint's Credit Union Scorecard
THE FLORIST
Charter #19567 · NM
THE FLORIST has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.35% below tier average
- - Efficiency ratio 24.44% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Member decline: -4.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
680
-4.4% YoY-0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$7.1M
-2.5% YoY-1.6% QoQ
|
$-22.7M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$4.1M
-12.7% YoY-4.1% QoQ
|
$-11.7M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$6.0M
-2.2% YoY-1.7% QoQ
|
$-19.4M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
-0.7%
+192.5% YoY+15.0% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.5% in tier |
| NIM |
4.0%
+4.4% YoY+1.1% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
105.8%
+4.7% YoY+1.5% QoQ
|
+24.4% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
1.7%
+21.2% YoY-1.0% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
67.9%
-10.7% YoY-2.4% QoQ
|
+6.7% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$14,851
-2.5% YoY-2.6% QoQ
|
+$224 |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
22.0%
+20.4% YoY+1.5% QoQ
|
-2.4% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
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)