BlastPoint's Credit Union Scorecard
JEMEZ VALLEY
Charter #62637 · NM
JEMEZ VALLEY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.28% below tier average
- - Efficiency ratio 5.92% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - First Mortgage Concentration (%): Bottom 9.4% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in New Mexico.
- Shares and deposits -4.2% year over year ($23.8M in shares and deposits).
- Membership: 1,815 members, -2.6% vs a year ago.
- Delinquency rate 1.00%.
- Return on assets 0.21%.
- Efficiency ratio 94.69% vs a 88.77% peer average.
- Loan-to-share ratio 44.97% vs a 58.89% 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 |
1,815
-2.6% YoY-0.4% QoQ
|
-770 |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$27.3M
-4.3% YoY-3.8% QoQ
|
$-3.0M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$10.7M
-1.9% YoY+0.2% QoQ
|
$-4.7M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$23.8M
-4.2% YoY-4.1% QoQ
|
$-2.0M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
0.2%
-183.6% YoY-24.0% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.1% in tier |
| NIM |
4.2%
+18.8% YoY+5.2% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
94.7%
+0.4% YoY+0.3% QoQ
|
+5.9% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
1.0%
-38.4% YoY+21.8% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
45.0%
+2.4% YoY+4.5% QoQ
|
-13.9% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$19,020
-0.9% YoY-2.4% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
7.0%
-46.1% YoY-23.7% QoQ
|
-17.6% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)