BlastPoint's Credit Union Scorecard

ZIA

Charter #60467 · NM

100M-500M

1024 CUs in 100M-500M nationally 6 in NM

ZIA has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Strong member growth: 7.6% YoY
+ Asset Growth Rate: Top 1.4% in tier
+ Member Growth Rate: Top 5.2% in tier
+ Loan Growth Rate: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.38% below tier average
- Efficiency ratio 7.83% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 3.6% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 6 that size in New Mexico.
Shares and deposits +5.5% year over year ($247M in shares and deposits).
Membership: 14,545 members, +7.6% vs a year ago.
Delinquency rate 0.48%.
Return on assets 0.48%.
Efficiency ratio 84.56% vs a 76.73% peer average.
Loan-to-share ratio 89.14% vs a 71.54% 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	14,545 +7.6% YoY+2.4% QoQ	-623	15,168 -2.6% YoY	31,280 +3.2% YoY	34,678 +6.6% YoY	57%
Assets	$308.1M +21.7% YoY+12.6% QoQ	+$76.1M	$232.0M +0.7% YoY	$563.2M +7.3% YoY	$593.1M +10.2% YoY	74%
Loans	$219.9M +16.9% YoY+5.8% QoQ	+$73.6M	$146.3M +0.2% YoY	$387.4M +10.2% YoY	$418.6M +10.1% YoY	80%
Deposits	$246.7M +5.5% YoY+1.9% QoQ	+$46.0M	$200.7M +0.2% YoY	$479.3M +6.9% YoY	$504.8M +10.3% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -41.9% YoY-21.7% QoQ	-0.4%	0.9% +12.5% YoY	1.0% +20.6% YoY	1.2% +121.4% YoY	27%
NIM	3.6% -2.5% YoY-3.8% QoQ	+0.0%	3.7% +4.5% YoY	3.9% +4.7% YoY	3.8% +2.3% YoY	48%
Efficiency Ratio	84.6% +8.9% YoY+0.7% QoQ	+7.8%	76.7% -0.8% YoY	77.7% +3.4% YoY	83.0% -5.3% YoY	75%
Delinquency Rate	0.5% +5.8% YoY+15.8% QoQ	-0.4	0.9% +6.6% YoY	1.0% +10.0% YoY	1.3% +2.6% YoY	34%
Loan To Share	89.1% +10.8% YoY+3.8% QoQ	+17.6%	71.5% -0.3% YoY	70.5% +0.9% YoY	66.4% -1.4% YoY	84%
AMR	$32,081 +2.8% YoY+1.2% QoQ	+$7K	$25,107 +3.2% YoY	$21,119 +3.0% YoY	$20,028 -0.9% YoY	Top 15.0% in tier
CD Concentration	31.2% +1.3% YoY+1.7% QoQ	+6.7%	24.6%	24.3%	20.0%	50%
Indirect Auto %	18.7% +45.9% YoY+13.9% QoQ	+5.1%	13.6%	14.3%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#199 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.81%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $3.3K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#213 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 16.91%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#271 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 21.69%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 18.69%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 7.56%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | New qualifier

Efficiency Drag

risk

#470 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.56%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.35% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 7.56%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Credit Quality Pressure

risk

#628 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (8 metrics)

Asset Growth Rate

growth

Value: 21.69%

Peer Median: 4.12%

#15 of 1024 Top 1.4% in 100M-500M tier

Member Growth Rate

growth

Value: 7.56%

Peer Median: -0.03%

#54 of 1024 Top 5.2% in 100M-500M tier

Loan Growth Rate

growth

Value: 16.91%

Peer Median: 3.02%

#56 of 1024 Top 5.4% in 100M-500M tier

120

Loan-to-Member Ratio (LMR)

engagement

Value: $15,119

Peer Median: $9,434

#120 of 1024 Top 11.6% in 100M-500M tier

154

Average Member Relationship (AMR)

engagement

Value: $32,081

Peer Median: $23,006

#154 of 1024 Top 14.9% in 100M-500M tier

168

Loan-to-Share Ratio

balance_sheet

Value: 89.14%

Peer Median: 73.07%

#168 of 1024 Top 16.3% in 100M-500M tier

200

Total Loans

balance_sheet

Value: $219.91M

Peer Median: $124.04M

#200 of 1024 Top 19.4% in 100M-500M tier

245

Fee Income Per Member

profitability

Value: $210.09

Peer Median: $159.88

#245 of 1024 Top 23.8% in 100M-500M tier

Top Weaknesses (2 metrics)

988

Members Per Employee (MPE)

engagement

Value: 193.933

Peer Median: 310.924

#988 of 1024 Bottom 3.6% in 100M-500M tier

769

Efficiency Ratio

profitability

Value: 84.56%

Peer Median: 77.26%

#769 of 1024 Bottom 25.0% in 100M-500M tier