BlastPoint's Credit Union Scorecard
RAILROAD EMPLOYEES
Charter #62841 · NM
RAILROAD EMPLOYEES has 12 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Strong member growth: 7.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.2% in tier
- + Average Member Relationship (AMR): Top 3.4% in tier
- + Member Growth Rate: Top 4.4% in tier
- + Deposit Growth Rate: Top 4.4% in tier
- + Asset Growth Rate: Top 4.6% in tier
- + Total Loans: Top 6.4% in tier
- + Total Deposits: Top 8.5% in tier
- + Fee Income Per Member: Top 9.7% in tier
- + Total Assets: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,633
+7.9% YoY+0.3% QoQ
|
+1.0K |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$74.6M
+12.9% YoY+0.1% QoQ
|
+$44.8M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 9.9% in tier |
| Loans |
$47.9M
+6.7% YoY-0.7% QoQ
|
+$32.1M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
Top 6.4% in tier |
| Deposits |
$66.3M
+13.7% YoY+0.4% QoQ
|
+$40.9M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
Top 8.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
+30.1% YoY-3.8% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
3.4%
+13.2% YoY+4.9% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
31% |
| Efficiency Ratio |
62.0%
-16.0% YoY-4.4% QoQ
|
-19.4% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.5%
-26.6% YoY+50.2% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
72.2%
-6.2% YoY-1.1% QoQ
|
+10.9% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$31,439
+2.6% YoY-0.4% QoQ
|
+$17K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
Top 3.4% in tier |
| CD Concentration |
45.6%
-4.3% YoY+3.9% QoQ
|
+21.2% |
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)