BlastPoint's Credit Union Scorecard
LOS ALAMOS SCHOOLS
Charter #61165 · NM
LOS ALAMOS SCHOOLS has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in New Mexico.
- Shares and deposits -3.6% year over year ($28.5M in shares and deposits).
- Membership: 2,235 members, -0.5% vs a year ago.
- Delinquency rate 0.74%.
- Return on assets 0.69%.
- Efficiency ratio 81.80% vs a 88.77% peer average.
- Loan-to-share ratio 70.17% vs a 58.89% 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 |
2,235
-0.5% YoY+0.6% QoQ
|
-350 |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$32.4M
-3.1% YoY+0.5% QoQ
|
+$2.1M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$20.0M
-3.7% YoY+0.9% QoQ
|
+$4.6M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$28.5M
-3.6% YoY+0.4% QoQ
|
+$2.7M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
0.7%
+14.6% YoY-25.2% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
3.9%
+12.5% YoY-1.3% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
81.8%
-3.0% YoY+2.7% QoQ
|
-7.0% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
0.7%
+75.5% YoY+99.0% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
70.2%
-0.1% YoY+0.5% QoQ
|
+11.3% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$21,711
-3.2% YoY-0.1% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
19.3%
-11.4% YoY+1.6% QoQ
|
-5.3% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.3% | 7.7% | 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)