BlastPoint's Credit Union Scorecard
RIO GRANDE
Charter #62573 · NM
RIO GRANDE has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Total Members: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 29.5% in tier
- - Deposit Outflow: Bottom 86.7% in tier
- - Indirect Auto Dependency: Bottom 90.3% in tier
- - Shrinking Wallet Share: Bottom 93.0% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 5.87% above tier (higher cost structure)
- - Delinquency rate 0.16% above tier average
- - Net Charge-Off Rate: Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,834
+3.2% YoY+1.6% QoQ
|
+12.8K |
38,079
-4.8% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
Top 7.8% in tier |
| Assets |
$665.9M
-1.6% YoY+1.9% QoQ
|
+$46.2M |
$619.7M
-0.2% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$410.2M
+1.1% YoY+3.8% QoQ
|
$-9.1M |
$419.3M
-1.4% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$607.1M
-1.2% YoY+1.8% QoQ
|
+$67.6M |
$539.5M
-0.1% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
80% |
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| ROA |
0.4%
-45.8% YoY-58.3% QoQ
|
-0.3% |
0.7%
+36.0% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
3.6%
+8.5% YoY+2.0% QoQ
|
+0.1% |
3.5%
+4.5% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
84.3%
+13.4% YoY+23.5% QoQ
|
+5.9% |
78.4%
-3.7% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
0.9%
-36.3% YoY-36.0% QoQ
|
+0.2 |
0.7%
-0.9% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
67.6%
+2.4% YoY+2.0% QoQ
|
-10.1% |
77.7%
-1.2% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$20,012
-3.4% YoY+1.0% QoQ
|
$-7K |
$26,927
+3.1% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 15.0% in tier |
| CD Concentration |
39.0%
+4.5% YoY+2.5% QoQ
|
+14.7% | 24.3% | 24.0% | 19.8% | Top 8.3% in tier |
| Indirect Auto % |
36.9%
+7.7% YoY+6.4% QoQ
|
+23.1% | 13.8% | 14.3% | 7.7% | Bottom 10.5% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)