BlastPoint's Credit Union Scorecard
RINCONES PRESBYTERIAN
Charter #61946 · NM
RINCONES PRESBYTERIAN has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Net Interest Margin 0.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.4% in tier
- + AMR Growth Rate: Top 2.1% in tier
- + Asset Growth Rate: Top 2.7% in tier
- + Net Charge-Off Rate: Top 4.3% in tier
- + Loan-to-Share Ratio: Top 6.6% in tier
- + Loan Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.77% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Share Certificate Concentration (%): Bottom 1.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
722
-3.5% YoY-1.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$5.8M
+16.2% YoY-0.9% QoQ
|
$-24.3M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$4.9M
+11.9% YoY+6.3% QoQ
|
$-10.9M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$5.2M
+23.5% YoY-1.3% QoQ
|
$-20.5M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
24% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-144.4% YoY+7.3% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
4.1%
+17.4% YoY+5.6% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
87.3%
-33.3% YoY-0.3% QoQ
|
+4.8% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.5%
-66.2% YoY+1225.3% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
94.5%
-9.3% YoY+7.7% QoQ
|
+33.9% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
Top 6.7% in tier |
| AMR |
$13,948
+21.8% YoY+3.4% QoQ
|
$-835 |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
62.0%
+7.4% YoY-1.2% QoQ
|
+37.6% | 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)