BlastPoint's Credit Union Scorecard
DEMING SCHOOLS EMPLOYEES
Charter #61559 · NM
DEMING SCHOOLS EMPLOYEES has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Net Interest Margin 1.09% 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
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.3% in tier
- - AMR Growth Rate: Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
879
+3.0% YoY+2.3% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$5.5M
-2.7% YoY+0.7% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$2.2M
-17.5% YoY-2.6% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$4.2M
-4.5% YoY+1.3% QoQ
|
$-21.5M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
1.0%
-1.4% YoY-1.3% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
5.0%
+4.5% YoY+1.8% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Top 13.5% in tier |
| Efficiency Ratio |
67.8%
-1.2% YoY-1.8% QoQ
|
-14.8% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
1.0%
+426.9% YoY-12.7% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
51.4%
-13.6% YoY-3.9% QoQ
|
-9.2% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$7,240
-12.0% YoY-2.3% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.3% | 7.8% | 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)