BlastPoint's Credit Union Scorecard
RINCONES PRESBYTERIAN
Charter #61946 · NM
RINCONES PRESBYTERIAN has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 1.6% in tier
- + Deposit Growth Rate: Top 1.7% in tier
- + AMR Growth Rate: Top 2.1% in tier
- + Net Charge-Off Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Efficiency ratio 6.19% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Share Certificate Concentration (%): Bottom 0.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
730
-4.3% YoY-2.8% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$5.9M
+20.9% YoY-3.7% QoQ
|
$-24.0M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$4.6M
+9.7% YoY-5.5% QoQ
|
$-11.2M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$5.2M
+22.1% YoY-4.1% QoQ
|
$-20.2M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
0.6%
-364.6% YoY+24.3% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
41% |
| NIM |
3.9%
+21.2% YoY-2.6% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
87.6%
-16.0% YoY-2.9% QoQ
|
+6.2% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.0%
-92.2% YoY-96.9% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
87.8%
-10.2% YoY-1.5% QoQ
|
+26.6% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Top 13.3% in tier |
| AMR |
$13,489
+21.2% YoY-2.0% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
62.8%
+12.3% YoY+6.1% QoQ
|
+38.4% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
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)