BlastPoint's Credit Union Scorecard
FINANCIAL SECURITY
Charter #62452 · NM
FINANCIAL SECURITY demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.0% in tier
- + Total Loans: Top 6.8% in tier
- + Loan-to-Share Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,181
+1.0% YoY-0.0% QoQ
|
+2.6K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
Top 12.6% in tier |
| Assets |
$61.9M
+6.4% YoY+0.7% QoQ
|
+$31.7M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$46.9M
+5.7% YoY+5.5% QoQ
|
+$31.1M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
Top 6.8% in tier |
| Deposits |
$51.5M
+5.9% YoY+0.9% QoQ
|
+$25.8M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
1.5%
-3.4% YoY-15.2% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
4.1%
-1.6% YoY+1.8% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
72.5%
+2.5% YoY+5.6% QoQ
|
-10.0% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
1.4%
+53.6% YoY+7.7% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
90.9%
-0.2% YoY+4.5% QoQ
|
+30.3% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
Top 9.3% in tier |
| AMR |
$18,993
+4.8% YoY+3.1% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
20.0%
-8.2% YoY-1.4% QoQ
|
-4.4% | 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)