DEMING SCHOOLS EMPLOYEES
Charter #61559 | NM
<100M
(2596 CUs)
Micro
($0-$500M)
22 <100M in NM
DEMING SCHOOLS EMPLOYEES has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 1.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 6.5% in tier
- - AMR Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
859
+4.2% YoY+0.7% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
Bottom 24.6% in tier |
| Assets |
$5.5M
+0.2% YoY-1.8% QoQ
|
$-24.4M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 21.1% in tier |
| Loans |
$2.2M
-15.9% YoY-0.1% QoQ
|
$-13.5M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 19.0% in tier |
| Deposits |
$4.1M
-1.1% YoY-3.3% QoQ
|
$-21.3M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 19.9% in tier |
| ROA |
1.1%
+396.1% YoY+20.1% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
64th in tier |
| NIM |
5.0%
+71.6% YoY+1.1% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
Top 15.2% in tier |
| Efficiency Ratio |
69.0%
-25.5% YoY-2.9% QoQ
|
-12.4% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
30th in tier |
| Delinquency Rate |
1.1%
+566.7% YoY+4647.1% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
64th in tier |
| Loan To Share |
53.5%
-15.0% YoY+3.3% QoQ
|
-7.7% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
37th in tier |
| AMR |
$7,411
-10.6% YoY-2.9% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 16.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
206
Member Growth Rate
growth
Value:
4.25%
Peer Avg: 14.92%
#206 of 2596
Top 7.9% in <100M tier
323
Net Worth Ratio
risk
Value:
23.92%
Peer Avg: 16.43%
#323 of 2596
Top 12.4% in <100M tier
395
Net Interest Margin (NIM)
profitability
Value:
4.95%
Peer Avg: 3.93%
#395 of 2596
Top 15.2% in <100M tier
615
Members Per Employee (MPE)
engagement
Value:
429.500
Peer Avg: 365.701
#615 of 2596
Top 23.7% in <100M tier
Top Weaknesses (10 metrics)
2428
Fee Income Per Member
profitability
Value:
$0.57
Peer Avg: $182.96
#2428 of 2596
Bottom 6.5% in <100M tier
2413
AMR Growth Rate
growth
Value:
-10.60%
Peer Avg: 4.67%
#2413 of 2596
Bottom 7.1% in <100M tier
2328
Loan Growth Rate
growth
Value:
-15.89%
Peer Avg: 59.01%
#2328 of 2596
Bottom 10.4% in <100M tier
2163
Average Member Relationship (AMR)
engagement
Value:
$7,411
Peer Avg: $14,627
#2163 of 2596
Bottom 16.7% in <100M tier
2105
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,583
Peer Avg: $5,488
#2105 of 2596
Bottom 19.0% in <100M tier
2102
Total Loans
balance_sheet
Value:
$2.22M
Peer Avg: $15.77M
#2102 of 2596
Bottom 19.1% in <100M tier
2079
Total Deposits
balance_sheet
Value:
$4.15M
Peer Avg: $25.45M
#2079 of 2596
Bottom 20.0% in <100M tier
2068
Net Charge-Off Rate
risk
Value:
0.74%
Peer Avg: 0.57%
#2068 of 2596
Bottom 20.4% in <100M tier
2048
Total Assets
balance_sheet
Value:
$5.49M
Peer Avg: $29.86M
#2048 of 2596
Bottom 21.1% in <100M tier
1955
Total Members
engagement
Value:
859
Peer Avg: 2,626
#1955 of 2596
Bottom 24.7% in <100M tier