BlastPoint's Credit Union Scorecard
DEL NORTE
Charter #64759 · NM
DEL NORTE has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 19.7% in tier
- + Organic Growth Engine: Top 35.0% in tier
- + Relationship Depth Leader: Top 89.1% in tier
- + ROA 0.37% above tier average
- + Net Interest Margin 0.58% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 13.3% in tier
- - Credit Quality Pressure: Bottom 64.3% in tier
- - Credit Risk Growth: Bottom 73.0% in tier
- - Indirect Auto Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,384
+4.5% YoY+0.5% QoQ
|
-30.0K |
97,431
-2.4% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$1.4B
+9.3% YoY+2.0% QoQ
|
$-302.3M |
$1.7B
+0.9% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$971.8M
+5.0% YoY+0.3% QoQ
|
$-262.6M |
$1.2B
+0.5% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$1.3B
+8.7% YoY+1.8% QoQ
|
$-186.2M |
$1.5B
+0.9% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
47% |
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 |
1.1%
+12.6% YoY+6.9% QoQ
|
+0.4% |
0.7%
+20.9% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.9%
+10.4% YoY+1.2% QoQ
|
+0.6% |
3.3%
+9.2% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
64.0%
-6.2% YoY-2.2% QoQ
|
-10.0% |
74.1%
-9.5% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.9% in tier |
| Delinquency Rate |
0.7%
+14.0% YoY+42.8% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
76.3%
-3.3% YoY-1.5% QoQ
|
-8.5% |
84.8%
-0.8% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$33,315
+2.4% YoY+0.6% QoQ
|
+$4K |
$29,428
+2.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
32.3%
+0.2% YoY+0.5% QoQ
|
+3.2% | 29.0% | 24.1% | 19.8% | 67% |
| Indirect Auto % |
42.6%
-3.5% YoY-2.9% QoQ
|
+24.3% | 18.3% | 14.3% | 7.8% | Top 8.0% in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)