BlastPoint's Credit Union Scorecard
DEMING SCHOOLS EMPLOYEES
Charter #61559 · NM
DEMING SCHOOLS EMPLOYEES has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.92% below tier average
- - Loan Growth Rate: Bottom 3.7% in tier
- - AMR Growth Rate: Bottom 4.1% in tier
- - Fee Income Per Member: Bottom 7.9% in tier
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 -5.7% year over year ($4.0M in shares and deposits).
- Membership: 872 members, +2.2% vs a year ago.
- Delinquency rate 0.11%.
- Return on assets 0.57%.
- Efficiency ratio 84.21% vs a 88.77% peer average.
- Loan-to-share ratio 40.54% 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 |
872
+2.2% YoY-0.2% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$5.4M
-3.6% YoY-0.9% QoQ
|
$-24.9M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$1.6M
-26.2% YoY-13.7% QoQ
|
$-13.8M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
15% |
| Deposits |
$4.0M
-5.7% YoY-0.9% QoQ
|
$-21.8M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.6%
-35.1% YoY-65.9% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
4.5%
-7.5% YoY-6.5% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
84.2%
+18.5% YoY+34.4% QoQ
|
-4.6% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
0.1%
-94.6% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
40.5%
-21.8% YoY-12.9% QoQ
|
-18.4% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$6,519
-14.6% YoY-4.8% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.0% in tier |
| CD Concentration | 0.0% | -24.6% | 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)