BlastPoint's Credit Union Scorecard
FINANCIAL SECURITY
Charter #62452 · NM
FINANCIAL SECURITY has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Fee Income Per Member: Top 1.9% in tier
- + Total Loans: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
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 +1.2% year over year ($52.8M in shares and deposits).
- Membership: 5,114 members, -0.4% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 0.95%.
- Efficiency ratio 80.84% vs a 88.77% peer average.
- Loan-to-share ratio 88.85% 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 |
5,114
-0.4% YoY-0.5% QoQ
|
+2.5K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
Top 12.6% in tier |
| Assets |
$63.6M
+2.0% YoY-0.5% QoQ
|
+$33.3M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
85% |
| Loans |
$47.0M
+4.3% YoY+2.6% QoQ
|
+$31.5M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 6.5% in tier |
| Deposits |
$52.8M
+1.2% YoY-1.0% QoQ
|
+$27.0M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
1.0%
-53.9% YoY-11.3% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
4.0%
+1.4% YoY+0.2% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
80.8%
+26.1% YoY+4.3% QoQ
|
-7.9% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
0.7%
-39.2% YoY-25.1% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
50% |
| Loan To Share |
88.9%
+3.1% YoY+3.7% QoQ
|
+30.0% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
Top 10.3% in tier |
| AMR |
$19,514
+3.0% YoY+1.2% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
19.3%
-1.5% YoY+1.9% QoQ
|
-5.2% | 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)