BlastPoint's Credit Union Scorecard
STATE EMPLOYEES
Charter #65513 · NM
STATE EMPLOYEES has 5 strengths but faces 6 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
- + Organic Growth Engine: Top 23.1% in tier
- + Profitability Leader: Top 60.6% in tier
- + Relationship Depth Leader: Top 86.4% in tier
- + ROA 0.45% above tier average
- + Net Interest Margin 0.12% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.1% in tier
- - Indirect Auto Dependency: Bottom 8.3% in tier
- - Credit Risk Growth: Bottom 10.1% in tier
- - Delinquency rate 3.68% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Total Members: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,600
+0.9% YoY+0.1% QoQ
|
-45.1K |
98,678
-1.9% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
Bottom 9.2% in tier |
| Assets |
$1.3B
+5.3% YoY+0.1% QoQ
|
$-415.8M |
$1.7B
+0.5% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$882.4M
+2.1% YoY-0.3% QoQ
|
$-350.6M |
$1.2B
+0.5% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$1.2B
+4.1% YoY-0.2% QoQ
|
$-293.7M |
$1.5B
+1.3% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
39% |
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| ROA |
1.1%
+192.0% YoY-7.8% QoQ
|
+0.4% |
0.7%
+13.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Top 13.5% in tier |
| NIM |
3.4%
+17.9% YoY+1.7% QoQ
|
+0.1% |
3.3%
+9.3% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
67.5%
-4.2% YoY+3.5% QoQ
|
-6.4% |
74.0%
-10.9% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
4.5%
+237.9% YoY+23.0% QoQ
|
+3.7 |
0.8%
+6.1% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
Top 1.0% in tier |
| Loan To Share |
76.0%
-2.0% YoY-0.1% QoQ
|
-9.2% |
85.2%
-0.8% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$38,117
+2.3% YoY-0.4% QoQ
|
+$9K |
$29,172
+2.8% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
Top 10.9% in tier |
| CD Concentration |
28.2%
-7.5% YoY-1.7% QoQ
|
-0.8% |
29.0%
+0.7% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
48% |
| Indirect Auto % |
33.5%
+10.8% YoY+1.3% QoQ
|
+14.7% |
18.8%
-3.0% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
80% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)