BlastPoint's Credit Union Scorecard
RIO GRANDE
Charter #62573 · NM
RIO GRANDE has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Total Members: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 40.4% in tier
- - Indirect Auto Dependency: Bottom 80.5% in tier
- - Deposit Outflow: Bottom 85.1% in tier
- - Shrinking Wallet Share: Bottom 87.4% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 3.64% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 3.0% in tier
- - Share Certificate Concentration (%): Bottom 5.5% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in New Mexico.
- Shares and deposits -0.7% year over year ($606M in shares and deposits).
- Membership: 51,348 members, +3.5% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 0.48%.
- Efficiency ratio 80.21% vs a 76.56% peer average.
- Loan-to-share ratio 71.07% vs a 79.33% 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 |
51,348
+3.5% YoY+1.0% QoQ
|
+13.5K |
37,897
-5.0% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
Top 7.3% in tier |
| Assets |
$666.0M
+0.5% YoY+0.0% QoQ
|
+$43.6M |
$622.4M
+0.6% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$430.6M
+5.8% YoY+5.0% QoQ
|
+$2.1M |
$428.5M
-0.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$606.0M
-0.7% YoY-0.2% QoQ
|
+$66.2M |
$539.8M
+0.9% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
0.5%
-63.9% YoY+38.0% QoQ
|
-0.3% |
0.8%
+39.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
3.6%
+10.5% YoY+1.6% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
80.2%
+30.7% YoY-4.8% QoQ
|
+3.6% |
76.6%
-3.6% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
0.9%
-40.9% YoY-0.4% QoQ
|
+0.0 |
0.8%
+3.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
71.1%
+6.5% YoY+5.2% QoQ
|
-8.3% |
79.3%
-1.4% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$20,188
-1.5% YoY+0.9% QoQ
|
$-7K |
$27,294
+4.1% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.9% in tier |
| CD Concentration |
38.9%
+6.3% YoY-0.1% QoQ
|
+14.4% | 24.6% | 24.3% | 20.0% | Top 8.7% in tier |
| Indirect Auto % |
39.1%
+12.6% YoY+5.8% QoQ
|
+25.4% | 13.6% | 14.3% | 7.7% | Bottom 8.8% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)