BlastPoint's Credit Union Scorecard

ZIA

Charter #60467 · NM

100M-500M

1070 CUs in 100M-500M nationally 6 in NM

ZIA has 6 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
+ Net Interest Margin 0.15% above tier average
+ Strong member growth: 7.6% YoY
+ Loan Growth Rate: Top 5.5% in tier
+ Member Growth Rate: Top 5.7% in tier
+ Asset Growth Rate: Top 8.3% 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 0.11% below tier average
- Efficiency ratio 5.92% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 3.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	14,198 +7.6% YoY+1.7% QoQ	-947	15,145 -2.5% YoY	30,914 +5.7% YoY	33,913 +5.7% YoY	55%
Assets	$273.6M +10.6% YoY+5.0% QoQ	+$41.9M	$231.7M +0.8% YoY	$559.7M +10.6% YoY	$578.3M +9.0% YoY	69%
Loans	$207.9M +16.7% YoY+1.4% QoQ	+$63.7M	$144.1M +0.2% YoY	$378.7M +12.3% YoY	$402.4M +8.7% YoY	78%
Deposits	$242.1M +5.8% YoY+1.0% QoQ	+$41.0M	$201.1M +0.4% YoY	$478.4M +9.0% YoY	$494.3M +9.1% YoY	69%

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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	0.6% +21.2% YoY-21.4% QoQ	-0.1%	0.7% +5.1% YoY	0.8% +125.8% YoY	0.4% -39.2% YoY	43%
NIM	3.8% +1.7% YoY-0.6% QoQ	+0.2%	3.6% +4.6% YoY	3.9% +3.5% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	83.9% +0.4% YoY+11.6% QoQ	+5.9%	78.0% -1.7% YoY	76.9% -4.0% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	0.4% +18.3% YoY+5.8% QoQ	-0.4	0.8% +7.1% YoY	0.9% +18.5% YoY	1.2% +3.4% YoY	32%
Loan To Share	85.9% +10.3% YoY+0.4% QoQ	+15.4%	70.4% -0.4% YoY	69.3% +1.3% YoY	65.6% -1.4% YoY	80%
AMR	$31,697 +2.8% YoY-0.5% QoQ	+$7K	$24,918 +2.7% YoY	$21,135 +4.9% YoY	$19,920 +1.6% YoY	Top 15.0% in tier
CD Concentration	30.7% +1.8% YoY-1.0% QoQ	+6.4%	24.3%	24.0%	19.8%	50%
Indirect Auto %	16.4% +35.7% YoY+3.4% QoQ	+2.6%	13.8%	14.3%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#202 of 257 • 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): 2.79%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.3K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#168 of 476 • 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): 16.69%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#362 of 504 • 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): 10.64%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 16.41%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 7.56%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Efficiency Drag

risk

#453 of 596 • 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: 83.95%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.11% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 7.56%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#557 of 727 • 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): 0.06% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (8 metrics)

Loan Growth Rate

growth

Value: 16.69%

Peer Median: 2.93%

#60 of 1070 Top 5.5% in 100M-500M tier

Member Growth Rate

growth

Value: 7.56%

Peer Median: -0.06%

#62 of 1070 Top 5.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.64%

Peer Median: 3.91%

#90 of 1070 Top 8.3% in 100M-500M tier

123

Loan-to-Member Ratio (LMR)

engagement

Value: $14,642

Peer Median: $9,356

#123 of 1070 Top 11.4% in 100M-500M tier

161

Average Member Relationship (AMR)

engagement

Value: $31,697

Peer Median: $22,931

#161 of 1070 Top 15.0% in 100M-500M tier

209

Loan-to-Share Ratio

balance_sheet

Value: 85.86%

Peer Median: 71.88%

#209 of 1070 Top 19.4% in 100M-500M tier

236

Total Loans

balance_sheet

Value: $207.89M

Peer Median: $121.41M

#236 of 1070 Top 22.0% in 100M-500M tier

246

Fee Income Per Member

profitability

Value: $206.06

Peer Median: $154.95

#246 of 1070 Top 22.9% in 100M-500M tier

Top Weaknesses (1 metrics)

1037

Members Per Employee (MPE)

engagement

Value: 191.865

Peer Median: 309.176

#1037 of 1070 Bottom 3.2% in 100M-500M tier