BlastPoint's Credit Union Scorecard
RAILROAD EMPLOYEES
Charter #62841 · NM
RAILROAD EMPLOYEES has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.25% above tier average
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.2% in tier
- + Total Loans: Top 5.7% in tier
- + Total Deposits: Top 6.5% in tier
- + Total Assets: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 4.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,660
+2.5% YoY+0.8% QoQ
|
+983 |
2,676
+1.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$79.5M
+4.7% YoY+5.4% QoQ
|
+$49.3M |
$30.2M
+1.3% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
Top 7.6% in tier |
| Loans |
$48.2M
+2.8% YoY+1.1% QoQ
|
+$32.9M |
$15.3M
-2.0% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
Top 5.7% in tier |
| Deposits |
$70.3M
+3.5% YoY+5.2% QoQ
|
+$44.5M |
$25.8M
+0.7% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Top 6.5% 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 |
1.4%
+132.6% YoY+11.0% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
3.4%
+10.6% YoY-1.8% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
58.6%
-28.2% YoY-6.3% QoQ
|
-32.0% |
90.6%
+6.5% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
Top 10.6% in tier |
| Delinquency Rate |
0.7%
+102.6% YoY+35.9% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
68.6%
-0.6% YoY-3.9% QoQ
|
+10.1% |
58.5%
-3.0% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$32,381
+0.7% YoY+2.7% QoQ
|
+$17K |
$14,884
-1.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
Top 3.1% in tier |
| CD Concentration |
48.1%
+3.1% YoY+5.4% QoQ
|
+23.8% | 24.3% | 24.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)