BlastPoint's Credit Union Scorecard
RINCONES PRESBYTERIAN
Charter #61946 · NM
RINCONES PRESBYTERIAN has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.75% above tier average
- + AMR Growth Rate: Top 3.1% in tier
- + Loan-to-Share Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -10.5% YoY
- - Share Certificate Concentration (%): Bottom 0.9% in tier
- - Member Growth Rate: Bottom 5.7% 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 +6.9% year over year ($5.8M in shares and deposits).
- Membership: 672 members, -10.5% vs a year ago.
- Delinquency rate 1.55%.
- Return on assets 1.80%.
- Efficiency ratio 67.02% vs a 88.77% peer average.
- Loan-to-share ratio 89.48% 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 |
672
-10.5% YoY-3.4% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$6.5M
+6.9% YoY+5.7% QoQ
|
$-23.7M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$5.2M
+7.4% YoY+4.1% QoQ
|
$-10.2M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$5.8M
+6.9% YoY+6.0% QoQ
|
$-20.0M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
1.8%
+278.9% YoY+181.7% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
Top 12.8% in tier |
| NIM |
4.6%
+17.3% YoY+0.9% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
67.0%
-25.7% YoY-23.9% QoQ
|
-21.7% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
1.5%
+21.9% YoY+10.9% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
89.5%
+0.4% YoY-1.8% QoQ
|
+30.6% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
Top 9.8% in tier |
| AMR |
$16,488
+19.7% YoY+8.8% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
63% |
| CD Concentration |
63.6%
+7.4% YoY-0.9% QoQ
|
+39.0% | 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)