BlastPoint's Credit Union Scorecard

ZIA

Charter #60467 · NM

1077 CUs in 100M-500M nationally 5 in NM

ZIA has 8 strengths but faces 3 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

+ Organic Growth Leader: Top 3.5% in tier
+ Organic Growth Engine: Top 9.5% in tier
+ Relationship Depth Leader: Top 52.7% in tier
+ ROA 0.01% above tier average
+ Net Interest Margin 0.19% above tier average
+ Strong member growth: 7.1% YoY
+ Member Growth Rate: Top 5.5% in tier
+ Loan Growth Rate: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 26.1% in tier
- Net Worth Ratio: Bottom 4.7% in tier
- Members Per Employee (MPE): Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	13,789 +7.1% YoY+2.0% QoQ	-1.8K	15,628 -3.4% YoY	30,510 +9.1% YoY	33,089 +6.1% YoY	52%
Assets	$255.1M +10.1% YoY+0.7% QoQ	+$23.8M	$231.3M -0.0% YoY	$545.3M +12.6% YoY	$547.7M +7.8% YoY	66%
Loans	$200.4M +15.6% YoY+6.5% QoQ	+$52.6M	$147.8M -1.4% YoY	$367.9M +14.8% YoY	$388.7M +8.6% YoY	75%
Deposits	$234.7M +9.5% YoY+0.4% QoQ	+$34.4M	$200.3M -0.0% YoY	$461.5M +14.0% YoY	$464.6M +9.3% YoY	68%

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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	0.8% +52.7% YoY-3.4% QoQ	+0.0%	0.8% +15.5% YoY	0.9% +49.5% YoY	0.7% +273.4% YoY	53%
NIM	3.8% +7.1% YoY+1.2% QoQ	+0.2%	3.6% +6.9% YoY	3.9% +6.9% YoY	3.7% +5.0% YoY	61%
Efficiency Ratio	75.3% -11.1% YoY-3.1% QoQ	-2.0%	77.3% -3.0% YoY	73.5% -8.8% YoY	79.1% -3.3% YoY	43%
Delinquency Rate	0.5% -2.8% YoY+9.2% QoQ	-0.4	0.9% +7.6% YoY	1.1% +5.6% YoY	1.2% -0.9% YoY	36%
Loan To Share	85.4% +5.5% YoY+6.2% QoQ	+12.7%	72.7% -1.5% YoY	71.6% -0.2% YoY	68.0% -1.7% YoY	76%
AMR	$31,556 +4.8% YoY+1.1% QoQ	+$7K	$24,363 +2.9% YoY	$20,672 +6.3% YoY	$19,418 +1.3% YoY	Top 13.5% in tier
CD Concentration	30.9% +8.4% YoY+0.3% QoQ	+6.5%	24.4% +4.2% YoY	24.3% +4.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.2% +10.3% YoY+18.6% QoQ	+1.2%	14.0% -5.7% YoY	14.5% +3.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#47 of 430 • Top 3.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 7.13%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 15.19%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#174 of 603 • Top 9.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.13%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.80%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 15.19%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth

#136 of 257 • Top 52.7% 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): 4.78%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.2K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Concerns (1)

Indirect Auto Dependency

risk

#420 of 525 • Bottom 26.1% in tier

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

Why This Signature

Asset Growth (YoY): 10.13%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 15.19%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 7.13%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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 1077 peers in tier

Top Strengths (9 metrics)

Member Growth Rate

growth

Value: 7.13%

Peer Avg: -

#60 of 1077 Top 5.5% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.59%

Peer Avg: -

#71 of 1077 Top 6.5% in 100M-500M tier

119

Asset Growth Rate

growth

Value: 10.13%

Peer Avg: -

#119 of 1077 Top 11.0% in 100M-500M tier

128

Loan-to-Member Ratio (LMR)

engagement

Value: $14,532

Peer Avg: -

#128 of 1077 Top 11.8% in 100M-500M tier

137

Deposit Growth Rate

growth

Value: 9.55%

Peer Avg: -

#137 of 1077 Top 12.6% in 100M-500M tier

145

Average Member Relationship (AMR)

engagement

Value: $31,556

Peer Avg: -

#145 of 1077 Top 13.4% in 100M-500M tier

170

Fee Income Per Member

profitability

Value: $239.57

Peer Avg: -

#170 of 1077 Top 15.7% in 100M-500M tier

264

Loan-to-Share Ratio

balance_sheet

Value: 85.37%

Peer Avg: -

#264 of 1077 Top 24.4% in 100M-500M tier

266

Total Loans

balance_sheet

Value: $200.38M

Peer Avg: -

#266 of 1077 Top 24.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1027

Net Worth Ratio

risk

Value: 8.11%

Peer Avg: -

#1027 of 1077 Bottom 4.7% in 100M-500M tier

1018

Members Per Employee (MPE)

engagement

Value: 208.924

Peer Avg: -

#1018 of 1077 Bottom 5.6% in 100M-500M tier

809

Share Certificate Concentration (%)

balance_sheet

Value: 30.93%

Peer Avg: -

#809 of 1077 Bottom 25.0% in 100M-500M tier