BlastPoint's Credit Union Scorecard
NORTHERN NEW MEXICO SCHOOL EMPLOYEE
Charter #4805 · NM
NORTHERN NEW MEXICO SCHOOL EMPLOYEE demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.75% above tier average
- + Average Member Relationship (AMR): Top 3.4% in tier
- + Loan Growth Rate: Top 5.1% in tier
- + AMR Growth Rate: Top 9.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,606
-0.4% YoY+0.2% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$45.2M
+8.0% YoY+2.2% QoQ
|
+$15.0M |
$30.2M
+1.3% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$11.7M
+16.0% YoY+8.5% QoQ
|
$-3.5M |
$15.3M
-2.0% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$38.6M
+8.2% YoY+2.2% QoQ
|
+$12.8M |
$25.8M
+0.7% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
0.9%
-25.7% YoY-27.1% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
65% |
| NIM |
3.3%
-1.9% YoY+1.2% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
29% |
| Efficiency Ratio |
74.3%
+17.8% YoY+22.0% QoQ
|
-16.3% |
90.6%
+6.5% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
0.8%
+1.6% YoY+0.9% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
30.4%
+7.2% YoY+6.2% QoQ
|
-28.1% |
58.5%
-3.0% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.0% in tier |
| AMR |
$31,331
+10.3% YoY+3.3% QoQ
|
+$16K |
$14,884
-1.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
Top 3.5% in tier |
| CD Concentration |
17.3%
+4.0% YoY-4.8% QoQ
|
-7.0% | 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)