BlastPoint's Credit Union Scorecard
RAILROAD EMPLOYEES
Charter #62841 · NM
RAILROAD EMPLOYEES has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 2.9% in tier
- + Loan-to-Member Ratio (LMR): Top 3.3% in tier
- + Total Loans: Top 5.3% in tier
- + Total Deposits: Top 6.7% in tier
- + Total Assets: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Share Certificate Concentration (%): Bottom 4.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in New Mexico.
- Shares and deposits +6.6% year over year ($70.5M in shares and deposits).
- Membership: 3,703 members, +2.2% vs a year ago.
- Delinquency rate 0.51%.
- Return on assets 1.16%.
- Efficiency ratio 62.46% vs a 88.77% peer average.
- Loan-to-share ratio 70.06% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,703
+2.2% YoY+1.2% QoQ
|
+1.1K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$79.9M
+7.1% YoY+0.6% QoQ
|
+$49.6M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
Top 7.7% in tier |
| Loans |
$49.4M
+2.4% YoY+2.4% QoQ
|
+$33.9M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 5.3% in tier |
| Deposits |
$70.5M
+6.6% YoY+0.2% QoQ
|
+$44.7M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Top 6.7% in tier |
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| ROA |
1.2%
-9.6% YoY-16.9% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
3.4%
+4.2% YoY-0.4% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
62.5%
-3.6% YoY+6.5% QoQ
|
-26.3% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
Top 14.0% in tier |
| Delinquency Rate |
0.5%
+60.1% YoY-29.9% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
70.1%
-3.9% YoY+2.2% QoQ
|
+11.2% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$32,363
+2.5% YoY-0.1% QoQ
|
+$17K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
Top 3.0% in tier |
| CD Concentration |
48.6%
+10.7% YoY+1.0% QoQ
|
+24.0% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)