BlastPoint's Credit Union Scorecard
DEMING SCHOOLS EMPLOYEES
Charter #61559 · NM
<100M
2508 CUs in <100M nationally
21 in NM
DEMING SCHOOLS EMPLOYEES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.53% above tier average
- + Net Interest Margin 0.84% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.52% above tier average
- - AMR Growth Rate: Bottom 4.7% in tier
- - Loan Growth Rate: Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
874
+2.5% YoY-0.6% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$5.4M
-2.3% YoY-1.7% QoQ
|
$-24.8M |
$30.2M
+1.3% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$1.9M
-21.8% YoY-12.0% QoQ
|
$-13.4M |
$15.3M
-2.0% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$4.1M
-4.0% YoY-2.9% QoQ
|
$-21.7M |
$25.8M
+0.7% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
1.7%
+90.8% YoY+60.6% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Top 11.4% in tier |
| NIM |
4.8%
+9.1% YoY-3.9% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
62.6%
-21.9% YoY-7.6% QoQ
|
-28.0% |
90.6%
+6.5% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
15% |
| Delinquency Rate |
2.0%
+1184.7% YoY+104.7% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
46.6%
-18.6% YoY-9.4% QoQ
|
-11.9% |
58.5%
-3.0% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$6,845
-12.6% YoY-5.4% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.5% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 24.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
287
Return on Assets (ROA)
profitability
Value:
1.68%
Peer Median: 0.61%
#287 of 2508
Top 11.4% in <100M tier
288
Net Worth Ratio
risk
Value:
24.50%
Peer Median: 14.28%
#288 of 2508
Top 11.4% in <100M tier
352
Member Growth Rate
growth
Value:
2.46%
Peer Median: -1.37%
#352 of 2508
Top 14.0% in <100M tier
359
Net Interest Margin (NIM)
profitability
Value:
4.85%
Peer Median: 3.83%
#359 of 2508
Top 14.3% in <100M tier
381
Efficiency Ratio
profitability
Value:
62.65%
Peer Median: 81.45%
#381 of 2508
Top 15.2% in <100M tier
565
Members Per Employee (MPE)
engagement
Value:
437.000
Peer Median: 333.750
#565 of 2508
Top 22.5% in <100M tier
Top Weaknesses (11 metrics)
2392
AMR Growth Rate
growth
Value:
-12.62%
Peer Median: 1.27%
#2392 of 2508
Bottom 4.7% in <100M tier
2375
Loan Growth Rate
growth
Value:
-21.82%
Peer Median: -2.36%
#2375 of 2508
Bottom 5.3% in <100M tier
2251
Fee Income Per Member
profitability
Value:
$1.95
Peer Median: $60.42
#2251 of 2508
Bottom 10.3% in <100M tier
2145
Average Member Relationship (AMR)
engagement
Value:
$6,845
Peer Median: $13,926
#2145 of 2508
Bottom 14.5% in <100M tier
2117
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,175
Peer Median: $4,923
#2117 of 2508
Bottom 15.6% in <100M tier
2074
Total Loans
balance_sheet
Value:
$1.90M
Peer Median: $9.48M
#2074 of 2508
Bottom 17.3% in <100M tier
2038
Total Delinquency Rate (60+ days)
risk
Value:
2.02%
Peer Median: 0.65%
#2038 of 2508
Bottom 18.8% in <100M tier
2028
Total Deposits
balance_sheet
Value:
$4.08M
Peer Median: $18.77M
#2028 of 2508
Bottom 19.2% in <100M tier
2001
Total Assets
balance_sheet
Value:
$5.43M
Peer Median: $21.86M
#2001 of 2508
Bottom 20.3% in <100M tier
1984
Net Charge-Off Rate
risk
Value:
0.66%
Peer Median: 0.07%
#1984 of 2508
Bottom 20.9% in <100M tier