BlastPoint's Credit Union Scorecard
RAILROAD EMPLOYEES
Charter #62841 · NM
RAILROAD EMPLOYEES has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 3.5% in tier
- + Member Growth Rate: Top 6.1% in tier
- + Total Loans: Top 6.6% in tier
- + Total Deposits: Top 8.5% in tier
- + Total Assets: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,631
+4.9% YoY-0.1% QoQ
|
+1.0K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$75.4M
+3.0% YoY+1.0% QoQ
|
+$45.2M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
Top 9.7% in tier |
| Loans |
$47.7M
+4.6% YoY-0.4% QoQ
|
+$31.9M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
Top 6.6% in tier |
| Deposits |
$66.8M
+2.1% YoY+0.7% QoQ
|
+$41.1M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Top 8.5% in tier |
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| ROA |
1.3%
+55.0% YoY+1.8% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
3.5%
+20.6% YoY+1.6% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
62.6%
-17.9% YoY+1.0% QoQ
|
-20.0% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate |
0.5%
+49.7% YoY+11.8% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
71.3%
+2.5% YoY-1.1% QoQ
|
+10.7% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$31,525
-1.7% YoY+0.3% QoQ
|
+$17K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
Top 3.6% in tier |
| CD Concentration |
45.6%
-8.8% YoY+0.2% QoQ
|
+21.2% | 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)