BlastPoint's Credit Union Scorecard
NORTHERN NEW MEXICO SCHOOL EMPLOYEE
Charter #4805 · NM
NORTHERN NEW MEXICO SCHOOL EMPLOYEE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 3.8% in tier
- + Loan Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Delinquency rate 0.27% above tier average
- - Members Per Employee (MPE): Bottom 6.6% in tier
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 ($37.9M in shares and deposits).
- Membership: 1,617 members, +0.7% vs a year ago.
- Delinquency rate 1.82%.
- Return on assets 0.98%.
- Efficiency ratio 74.01% vs a 88.77% peer average.
- Loan-to-share ratio 30.72% 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 |
1,617
+0.7% YoY+0.7% QoQ
|
-968 |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
43% |
| Assets |
$44.5M
+2.6% YoY-1.4% QoQ
|
+$14.3M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$11.6M
+13.3% YoY-0.8% QoQ
|
$-3.8M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
55% |
| Deposits |
$37.9M
+2.2% YoY-1.8% QoQ
|
+$12.1M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
1.0%
+10.1% YoY+8.8% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
3.5%
+4.9% YoY+3.6% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
74.0%
+12.2% YoY-0.4% QoQ
|
-14.8% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
1.8%
+128.2% YoY+124.0% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
30.7%
+10.8% YoY+1.1% QoQ
|
-28.2% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.7% in tier |
| AMR |
$30,622
+3.9% YoY-2.3% QoQ
|
+$16K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
Top 3.8% in tier |
| CD Concentration |
20.1%
+21.5% YoY+16.4% QoQ
|
-4.5% | 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)