BlastPoint's Credit Union Scorecard

DEL NORTE

Charter #64759 · NM

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 6 in NM

View Mid-Market leaderboard →

DEL NORTE has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 25.1% in tier
+ Relationship Depth Leader: Top 60.5% in tier
+ ROA 0.26% above tier average
+ Net Interest Margin 0.54% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 41.3% in tier
- Credit Quality Pressure: Bottom 49.2% in tier
- Credit Risk Growth: Bottom 53.2% in tier
- Indirect Auto Concentration (%): Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	67,873 +3.3% YoY+0.7% QoQ	-28.2K	96,048 -2.7% YoY	30,914 +5.7% YoY	33,913 +5.7% YoY	24%
Assets	$1.5B +5.9% YoY+3.4% QoQ	$-250.4M	$1.7B +0.4% YoY	$559.7M +10.6% YoY	$578.3M +9.0% YoY	44%
Loans	$990.2M +5.3% YoY+1.9% QoQ	$-223.5M	$1.2B +0.2% YoY	$378.7M +12.3% YoY	$402.4M +8.7% YoY	38%
Deposits	$1.3B +5.1% YoY+3.4% QoQ	$-148.6M	$1.5B +0.5% YoY	$478.4M +9.0% YoY	$494.3M +9.1% YoY	51%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +18.2% YoY-6.8% QoQ	+0.3%	0.7% +27.6% YoY	0.8% +125.8% YoY	0.4% -39.2% YoY	77%
NIM	3.9% +7.6% YoY+1.1% QoQ	+0.5%	3.4% +6.2% YoY	3.9% +3.5% YoY	3.8% +4.1% YoY	Top 15.0% in tier
Efficiency Ratio	64.3% -8.6% YoY+0.4% QoQ	-10.4%	74.6% -3.0% YoY	76.9% -4.0% YoY	84.6% +2.8% YoY	Top 12.7% in tier
Delinquency Rate	0.5% +7.6% YoY-23.9% QoQ	-0.2	0.8% +6.9% YoY	0.9% +18.5% YoY	1.2% +3.4% YoY	39%
Loan To Share	75.2% +0.1% YoY-1.5% QoQ	-8.0%	83.2% -0.4% YoY	69.3% +1.3% YoY	65.6% -1.4% YoY	23%
AMR	$33,992 +1.8% YoY+2.0% QoQ	+$4K	$29,652 +2.3% YoY	$21,135 +4.9% YoY	$19,920 +1.6% YoY	78%
CD Concentration	33.1% -1.1% YoY+2.7% QoQ	+4.3%	28.8%	24.0%	19.8%	69%
Indirect Auto %	41.0% -8.2% YoY-3.8% QoQ	+22.9%	18.1%	14.3%	7.7%	Bottom 9.1% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth

#32 of 79 • Top 25.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.98%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.35%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Relationship Depth Leader

growth

#60 of 64 • Top 60.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.77%

(Tier: 3.34%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.6K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk

#49 of 198 • Bottom 41.3% in tier

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

Why This Signature

Asset Growth (YoY): 5.93%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 40.98%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.35%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#187 of 225 • Bottom 49.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Credit Risk Growth

risk

#156 of 183 • Bottom 53.2% in tier

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

Why This Signature

Loan Growth (YoY): 5.25%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | 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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 64.27%

Peer Median: 75.16%

#40 of 306 Top 12.7% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.89%

Peer Median: 3.37%

#46 of 306 Top 14.7% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $33,992

Peer Median: $28,178

#66 of 306 Top 21.2% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 0.98%

Peer Median: 0.66%

#71 of 306 Top 22.9% in 1B-3B tier

Top Weaknesses (5 metrics)

281

Indirect Auto Concentration (%)

balance_sheet

Value: 40.98%

Peer Median: 13.86%

#281 of 306 Bottom 8.5% in 1B-3B tier

273

Net Charge-Off Rate

risk

Value: 1.08%

Peer Median: 0.51%

#273 of 306 Bottom 11.1% in 1B-3B tier

240

Net Worth Ratio

risk

Value: 9.50%

Peer Median: 10.85%

#240 of 306 Bottom 21.9% in 1B-3B tier

235

Loan-to-Share Ratio

balance_sheet

Value: 75.19%

Peer Median: 85.31%

#235 of 306 Bottom 23.5% in 1B-3B tier

231

Total Members

engagement

Value: 67,873

Peer Median: 85,918

#231 of 306 Bottom 24.8% in 1B-3B tier