BlastPoint's Credit Union Scorecard
JEMEZ VALLEY
Charter #62637 · NM
JEMEZ VALLEY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Efficiency ratio 11.16% above tier (higher cost structure)
- - Delinquency rate 2.15% above tier average
- - Member decline: -2.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 9.3% in tier
- - Net Charge-Off Rate: Bottom 9.6% in tier
- - First Mortgage Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,855
-2.1% YoY-0.5% QoQ
|
-770 |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$27.3M
-4.7% YoY-4.0% QoQ
|
$-2.5M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$10.5M
-10.7% YoY-3.7% QoQ
|
$-5.3M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$23.7M
-4.4% YoY-4.5% QoQ
|
$-1.7M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
-0.0%
-125.8% YoY-80.4% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.9% in tier |
| NIM |
3.8%
+4.4% YoY+5.6% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
92.6%
-1.7% YoY-1.9% QoQ
|
+11.2% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
3.7%
-10.4% YoY+124.5% QoQ
|
+2.2 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
Top 9.3% in tier |
| Loan To Share |
44.3%
-6.5% YoY+0.8% QoQ
|
-17.0% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$18,466
-4.5% YoY-3.8% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
12.9%
+17.9% YoY-0.2% QoQ
|
-11.5% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
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)