BlastPoint's Credit Union Scorecard

JEMEZ VALLEY

Charter #62637 · NM

<100M

2508 CUs in <100M nationally 21 in NM

JEMEZ VALLEY has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.13% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 3.75% above tier (higher cost structure)
- Member decline: -2.6% YoY
- First Mortgage Concentration (%): Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	1,822 -2.6% YoY-0.8% QoQ	-854	2,676 +1.6% YoY	30,914 +5.7% YoY	33,913 +5.7% YoY	48%
Assets	$28.3M -2.1% YoY+2.8% QoQ	$-1.9M	$30.2M +1.3% YoY	$559.7M +10.6% YoY	$578.3M +9.0% YoY	57%
Loans	$10.7M -5.1% YoY+1.1% QoQ	$-4.6M	$15.3M -2.0% YoY	$378.7M +12.3% YoY	$402.4M +8.7% YoY	54%
Deposits	$24.8M -2.2% YoY+3.3% QoQ	$-959K	$25.8M +0.7% YoY	$478.4M +9.0% YoY	$494.3M +9.1% YoY	59%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +185.6% YoY-214.9% QoQ	+0.1%	0.1% -77.6% YoY	0.8% +125.8% YoY	0.4% -39.2% YoY	34%
NIM	4.0% +15.2% YoY+5.0% QoQ	+0.0%	4.0% +4.0% YoY	3.9% +3.5% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	94.4% -3.5% YoY-4.0% QoQ	+3.8%	90.6% +6.5% YoY	76.9% -4.0% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	0.8% -35.8% YoY-76.7% QoQ	-0.7	1.5% +3.8% YoY	0.9% +18.5% YoY	1.2% +3.4% YoY	58%
Loan To Share	43.0% -3.0% YoY-2.1% QoQ	-15.5%	58.5% -3.0% YoY	69.3% +1.3% YoY	65.6% -1.4% YoY	26%
AMR	$19,489 -0.5% YoY+3.4% QoQ	+$5K	$14,884 -1.7% YoY	$21,135 +4.9% YoY	$19,920 +1.6% YoY	76%
CD Concentration	9.1% -22.2% YoY-14.4% QoQ	-15.2%	24.3%	24.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	14.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

282

Net Charge-Off Rate

risk

Value: -0.07%

Peer Median: 0.07%

#282 of 2508 Top 11.2% in <100M tier

382

Fee Income Per Member

profitability

Value: $136.31

Peer Median: $60.42

#382 of 2508 Top 15.2% in <100M tier

602

Average Member Relationship (AMR)

engagement

Value: $19,489

Peer Median: $13,926

#602 of 2508 Top 24.0% in <100M tier

Top Weaknesses (3 metrics)

2278

First Mortgage Concentration (%)

balance_sheet

Value: 47.41%

Peer Median: 3.66%

#2278 of 2508 Bottom 9.2% in <100M tier

2180

Members Per Employee (MPE)

engagement

Value: 182.200

Peer Median: 333.750

#2180 of 2508 Bottom 13.1% in <100M tier

1927

Efficiency Ratio

profitability

Value: 94.38%

Peer Median: 81.45%

#1927 of 2508 Bottom 23.2% in <100M tier