BlastPoint's Credit Union Scorecard
JEMEZ VALLEY
Charter #62637 · NM
JEMEZ VALLEY has 1 strength but faces 5 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 0.86% below tier average
- - Efficiency ratio 15.72% above tier (higher cost structure)
- - Delinquency rate 1.98% above tier average
- - Member decline: -2.3% YoY
- - First Mortgage Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,836
-2.3% YoY-1.0% QoQ
|
-779 |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$27.6M
-2.4% YoY+0.8% QoQ
|
$-2.6M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$10.6M
-8.2% YoY+0.6% QoQ
|
$-5.2M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$24.0M
-2.5% YoY+1.2% QoQ
|
$-1.7M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
-0.2%
-497.9% YoY+387.2% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.9% in tier |
| NIM |
3.8%
+4.3% YoY+1.9% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
98.3%
+0.9% YoY+6.2% QoQ
|
+15.7% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Top 13.1% in tier |
| Delinquency Rate |
3.5%
-28.9% YoY-3.3% QoQ
|
+2.0 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
Top 10.4% in tier |
| Loan To Share |
44.0%
-5.8% YoY-0.7% QoQ
|
-16.7% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$18,847
-2.1% YoY+2.1% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
10.6%
-0.4% YoY-17.3% QoQ
|
-13.8% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.3% | 7.8% | 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)