BlastPoint's Credit Union Scorecard
NORTHERN NEW MEXICO SCHOOL EMPLOYEE
Charter #4805 · NM
NORTHERN NEW MEXICO SCHOOL EMPLOYEE has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.1% in tier
- + Average Member Relationship (AMR): Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,602
-0.6% YoY-0.2% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$44.2M
+8.2% YoY+1.0% QoQ
|
+$14.1M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$10.8M
+1.4% YoY-0.9% QoQ
|
$-4.9M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$37.8M
+8.5% YoY+1.0% QoQ
|
+$12.1M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.2%
-30.6% YoY+63.6% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
3.3%
-7.6% YoY+0.5% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
60.9%
+2.5% YoY-8.8% QoQ
|
-21.7% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate |
0.8%
-34.9% YoY+1.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
28.6%
-6.6% YoY-1.9% QoQ
|
-32.0% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.2% in tier |
| AMR |
$30,323
+7.5% YoY+0.8% QoQ
|
+$16K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
Top 4.1% in tier |
| CD Concentration |
18.1%
+29.7% YoY-1.5% QoQ
|
-6.3% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.3% | 7.8% | 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)