BlastPoint's Credit Union Scorecard
ZIA
Charter #60467 · NM
ZIA has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 10.1% in tier
- + Organic Growth Engine: Top 26.1% in tier
- + Relationship Depth Leader: Top 51.7% in tier
- + ROA 0.02% above tier average
- + Net Interest Margin 0.20% above tier average
- + Strong member growth: 7.4% YoY
- + Member Growth Rate: Top 4.8% in tier
- + Loan Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 80.6% in tier
- - Net Worth Ratio: Bottom 4.0% in tier
- - Members Per Employee (MPE): Bottom 5.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,959
+7.4% YoY+1.2% QoQ
|
-1.5K |
15,437
-2.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$260.6M
+9.8% YoY+2.2% QoQ
|
+$28.8M |
$231.9M
+1.3% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$205.0M
+17.3% YoY+2.3% QoQ
|
+$57.7M |
$147.3M
-0.1% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$239.8M
+9.0% YoY+2.2% QoQ
|
+$39.0M |
$200.8M
+0.8% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
0.8%
+45.6% YoY-2.4% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
3.8%
+7.4% YoY+0.7% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
75.2%
-10.2% YoY-0.1% QoQ
|
-1.8% |
77.0%
-3.1% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.4%
-23.8% YoY-20.9% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
85.5%
+7.6% YoY+0.2% QoQ
|
+13.3% |
72.2%
-1.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$31,866
+4.9% YoY+1.0% QoQ
|
+$7K |
$24,676
+3.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
Top 13.8% in tier |
| CD Concentration |
31.0%
+9.5% YoY+0.3% QoQ
|
+6.6% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
15.9%
+22.8% YoY+4.5% QoQ
|
+2.1% | 13.8% | 14.3% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)