BlastPoint's Credit Union Scorecard
DEL NORTE
Charter #64759 · NM
DEL NORTE has 3 strengths but faces 3 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
- + Relationship Depth Leader: Top 39.8% in tier
- + Emerging Performer: Top 50.7% in tier
- + Net Interest Margin 0.51% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 25.8% in tier
- - Margin Compression: Bottom 50.7% in tier
- - Indirect Auto Concentration (%): Bottom 10.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in New Mexico.
- Shares and deposits +7.7% year over year ($1.35B in shares and deposits).
- Membership: 68,538 members, +3.0% vs a year ago.
- Delinquency rate 0.45%.
- Return on assets 0.79%.
- Efficiency ratio 63.00% vs a 73.02% peer average.
- Loan-to-share ratio 75.54% vs a 84.71% 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 |
68,538
+3.0% YoY+1.0% QoQ
|
-28.3K |
96,861
-1.9% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$1.5B
+8.1% YoY+2.4% QoQ
|
$-219.1M |
$1.7B
+0.4% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$1.0B
+6.8% YoY+2.9% QoQ
|
$-215.3M |
$1.2B
+0.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$1.3B
+7.7% YoY+2.4% QoQ
|
$-114.5M |
$1.5B
+0.5% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
0.8%
-20.6% YoY-19.7% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
3.9%
+6.8% YoY+0.9% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
63.0%
-5.5% YoY-2.0% QoQ
|
-10.0% |
73.0%
-2.7% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
Top 13.3% in tier |
| Delinquency Rate |
0.5%
-6.7% YoY-13.2% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
75.5%
-0.8% YoY+0.5% QoQ
|
-9.2% |
84.7%
+0.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$34,546
+4.2% YoY+1.6% QoQ
|
+$5K |
$29,575
+1.5% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
81% |
| CD Concentration |
34.7%
+7.2% YoY+4.8% QoQ
|
+5.6% | 29.1% | 24.3% | 20.0% | 75% |
| Indirect Auto % |
40.1%
-10.0% YoY-2.2% QoQ
|
+22.0% | 18.1% | 14.3% | 7.7% | Bottom 9.9% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)