DEL NORTE

Charter #64759 | NM

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in NM

DEL NORTE has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 3.0% in tier
  • + Organic Growth Engine: Top 14.8% in tier
  • + Relationship Depth Leader: Top 15.4% in tier
  • + Wallet Share Momentum: Top 22.3% in tier
  • + ROA 0.28% above tier average
  • + Net Interest Margin 0.54% above tier average
  • + Asset Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.1% in tier
  • - Credit Quality Pressure: Bottom 23.3% in tier
  • - Growth-at-Risk: Bottom 24.6% in tier
  • - Indirect Auto Concentration (%): Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 67,054
+4.9% YoY+0.7% QoQ
 -31.6K 98,678
-1.9% YoY
 30,510
+9.1% YoY
 33,089
+6.1% YoY
 Bottom 21.4% in tier
Assets $1.4B
+10.9% YoY+0.0% QoQ
 $-326.3M $1.7B
+0.5% YoY
 $545.3M
+12.6% YoY
 $547.7M
+7.8% YoY
 38th in tier
Loans $969.3M
+5.9% YoY+1.6% QoQ
 $-263.7M $1.2B
+0.5% YoY
 $367.9M
+14.8% YoY
 $388.7M
+8.6% YoY
 36th in tier
Deposits $1.3B
+10.8% YoY-0.1% QoQ
 $-203.2M $1.5B
+1.3% YoY
 $461.5M
+14.0% YoY
 $464.6M
+9.3% YoY
 48th in tier
ROA 1.0%
+1.2% YoY-0.7% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.9%
+49.5% YoY
 0.7%
+273.4% YoY
 Top 24.7% in tier
NIM 3.8%
+6.8% YoY+3.5% QoQ
 +0.5% 3.3%
+9.3% YoY
 3.9%
+6.9% YoY
 3.7%
+5.0% YoY
 Top 17.8% in tier
Efficiency Ratio 65.5%
-5.0% YoY-1.8% QoQ
 -8.5% 74.0%
-10.9% YoY
 73.5%
-8.8% YoY
 79.1%
-3.3% YoY
 Bottom 18.4% in tier
Delinquency Rate 0.5%
+7.6% YoY-1.1% QoQ
 -0.3 0.8%
+6.1% YoY
 1.1%
+5.6% YoY
 1.2%
-0.9% YoY
 29th in tier
Loan To Share 77.5%
-4.4% YoY+1.8% QoQ
 -7.7% 85.2%
-0.8% YoY
 71.6%
-0.2% YoY
 68.0%
-1.7% YoY
 27th in tier
AMR $33,114
+3.6% YoY-0.1% QoQ
 +$4K $29,172
+2.8% YoY
 $20,672
+6.3% YoY
 $19,418
+1.3% YoY
 Top 21.7% in tier
CD Concentration 32.1%
+8.1% YoY-0.9% QoQ
 +3.1% 29.0%
+0.8% YoY
 24.3%
+4.3% YoY
 19.6%
+6.2% YoY
 65th in tier
Indirect Auto % 43.9%
-2.7% YoY-1.4% QoQ
 +25.1% 18.8%
-2.8% YoY
 14.5%
+3.5% YoY
 7.9%
-2.9% YoY
 Top 7.9% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#17 of 184 • Top 3.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.98%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 4.86%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#108 of 246 • Top 14.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.86%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.98%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 43.88%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#112 of 264 • Top 15.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.57%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.5K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#162 of 264 • Top 22.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.57%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#14 of 202 • Bottom 2.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 10.89%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 43.88%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.86%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Credit Quality Pressure

risk
#179 of 217 • Bottom 23.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Growth-at-Risk

risk
#138 of 161 • Bottom 24.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.91%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

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)

Comparing against 304 peers in tier

Top Strengths (7 metrics)

29
Asset Growth Rate
growth
Value: 10.89%
Peer Avg: 4.83%
#29 of 304 Top 9.2% in 1B-3B tier
37
Deposit Growth Rate
growth
Value: 10.80%
Peer Avg: 5.58%
#37 of 304 Top 11.8% in 1B-3B tier
54
Net Interest Margin (NIM)
profitability
Value: 3.81%
Peer Avg: 3.26%
#54 of 304 Top 17.4% in 1B-3B tier
57
Efficiency Ratio
profitability
Value: 65.45%
Peer Avg: 73.97%
#57 of 304 Top 18.4% in 1B-3B tier
66
Average Member Relationship (AMR)
engagement
Value: $33,114
Peer Avg: $29,172
#66 of 304 Top 21.4% in 1B-3B tier
67
Member Growth Rate
growth
Value: 4.86%
Peer Avg: 2.20%
#67 of 304 Top 21.7% in 1B-3B tier
75
Return on Assets (ROA)
profitability
Value: 0.98%
Peer Avg: 0.70%
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (4 metrics)

283
Indirect Auto Concentration (%)
balance_sheet
Value: 43.88%
Peer Avg: 18.32%
#283 of 304 Bottom 7.2% in 1B-3B tier
250
Net Charge-Off Rate
risk
Value: 0.95%
Peer Avg: 0.60%
#250 of 304 Bottom 18.1% in 1B-3B tier
241
Net Worth Ratio
risk
Value: 9.51%
Peer Avg: 11.44%
#241 of 304 Bottom 21.1% in 1B-3B tier
239
Total Members
engagement
Value: 67,054
Peer Avg: 98,678
#239 of 304 Bottom 21.7% in 1B-3B tier