BlastPoint's Credit Union Scorecard
RINCONES PRESBYTERIAN
Charter #61946 · NM
RINCONES PRESBYTERIAN has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.60% above tier average
- + AMR Growth Rate: Top 4.5% in tier
- + Loan-to-Share Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.0% YoY
- - Share Certificate Concentration (%): Bottom 0.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
696
-7.0% YoY-3.6% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$6.2M
+4.4% YoY+6.0% QoQ
|
$-24.0M |
$30.2M
+1.3% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$5.0M
+6.8% YoY+2.7% QoQ
|
$-10.3M |
$15.3M
-2.0% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$5.5M
+7.7% YoY+6.6% QoQ
|
$-20.3M |
$25.8M
+0.7% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
0.6%
+203.6% YoY+0.9% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
4.6%
+19.7% YoY+13.1% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
88.0%
-7.5% YoY+0.8% QoQ
|
-2.6% |
90.6%
+6.5% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
1.4%
+166.9% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
91.1%
-0.8% YoY-3.7% QoQ
|
+32.6% |
58.5%
-3.0% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 7.4% in tier |
| AMR |
$15,152
+15.3% YoY+8.6% QoQ
|
+$268 |
$14,884
-1.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
64.2%
+20.4% YoY+3.5% QoQ
|
+39.9% | 24.3% | 24.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)