BlastPoint's Credit Union Scorecard
RIO GRANDE
Charter #62573 · NM
RIO GRANDE has 3 strengths but faces 5 concerns
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How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 19.3% in tier
- + ROA 0.36% above tier average
- + Efficiency Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 8.3% in tier
- - Credit Quality Pressure: Bottom 12.5% in tier
- - Indirect Auto Dependency: Bottom 25.5% in tier
- - Delinquency rate 0.82% above tier average
- - Net Charge-Off Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,928
+2.6% YoY+0.6% QoQ
|
+10.2K |
39,752
-2.7% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
Top 14.2% in tier |
| Assets |
$659.5M
-0.6% YoY-0.5% QoQ
|
+$37.1M |
$622.4M
+0.3% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
66% |
| Loans |
$397.1M
-4.2% YoY-2.4% QoQ
|
$-38.9M |
$435.9M
-0.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$602.5M
+0.3% YoY-1.2% QoQ
|
+$64.4M |
$538.0M
+1.3% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
79% |
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| ROA |
1.0%
-152.2% YoY-24.1% QoQ
|
+0.4% |
0.7%
+33.9% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
79% |
| NIM |
3.4%
+6.2% YoY+3.6% QoQ
|
-0.0% |
3.4%
+8.6% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
65.6%
-32.0% YoY+6.8% QoQ
|
-12.5% |
78.1%
-3.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate |
1.6%
+17.8% YoY+11.7% QoQ
|
+0.8 |
0.8%
-4.9% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
Top 11.2% in tier |
| Loan To Share |
65.9%
-4.5% YoY-1.2% QoQ
|
-15.1% |
81.0%
-1.8% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.0% in tier |
| AMR |
$20,019
-4.1% YoY-2.3% QoQ
|
$-6K |
$26,482
+2.6% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
37.0%
+1.0% YoY+1.1% QoQ
|
+12.6% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
Top 11.9% in tier |
| Indirect Auto % |
34.8%
+3.0% YoY+0.4% QoQ
|
+20.9% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
Top 12.8% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)