BlastPoint's Credit Union Scorecard
RIO GRANDE
Charter #62573 · NM
RIO GRANDE has 4 strengths but faces 10 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
- + Organic Growth Engine: Top 72.7% in tier
- + ROA 0.18% above tier average
- + Net Interest Margin 0.06% above tier average
- + Total Members: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 13.2% in tier
- - Shrinking Wallet Share: Bottom 23.2% in tier
- - Indirect Auto Dependency: Bottom 85.3% in tier
- - Credit Quality Pressure: Bottom 95.3% in tier
- - Delinquency rate 0.50% above tier average
- - AMR Growth Rate: Bottom 4.8% in tier
- - Net Charge-Off Rate: Bottom 5.5% in tier
- - Deposit Growth Rate: Bottom 6.7% in tier
- - Asset Growth Rate: Bottom 7.3% in tier
- - Share Certificate Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,032
+2.3% YoY+0.2% QoQ
|
+11.5K |
38,575
-4.8% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
Top 10.3% in tier |
| Assets |
$653.5M
-3.5% YoY-0.9% QoQ
|
+$31.8M |
$621.7M
+0.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$395.0M
-4.2% YoY-0.5% QoQ
|
$-34.8M |
$429.8M
-1.8% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$596.4M
-3.0% YoY-1.0% QoQ
|
+$57.7M |
$538.7M
+0.6% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.8%
-160.0% YoY-17.3% QoQ
|
+0.2% |
0.7%
+42.9% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
3.5%
+11.5% YoY+2.9% QoQ
|
+0.1% |
3.4%
+8.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
68.3%
-25.7% YoY+4.1% QoQ
|
-9.3% |
77.5%
-4.1% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate |
1.3%
+1.2% YoY-16.9% QoQ
|
+0.5 |
0.8%
-1.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
66.2%
-1.2% YoY+0.5% QoQ
|
-13.6% |
79.8%
-2.3% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.5% in tier |
| AMR |
$19,817
-5.6% YoY-1.0% QoQ
|
$-7K |
$26,849
+2.7% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.5% in tier |
| CD Concentration |
38.0%
+1.7% YoY+2.7% QoQ
|
+13.6% | 24.4% | 24.1% | 19.8% | Top 9.7% in tier |
| Indirect Auto % |
34.7%
+1.0% YoY-0.4% QoQ
|
+20.9% | 13.8% | 14.3% | 7.8% | Top 12.4% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)