BlastPoint's Credit Union Scorecard

STATE EMPLOYEES

Charter #65513 · NM

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

STATE EMPLOYEES has 6 strengths but faces 6 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 60.5% in tier
+ Organic Growth Engine: Top 62.2% in tier
+ Relationship Depth Leader: Top 95.3% in tier
+ ROA 0.57% above tier average
+ Net Interest Margin 0.17% above tier average
+ Fee Income Per Member: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.5% in tier
- Credit Risk Growth: Bottom 27.6% in tier
- Indirect Auto Dependency: Bottom 59.5% in tier
- Delinquency rate 4.20% above tier average
- Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- Total Members: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	53,700 +1.4% YoY+0.2% QoQ	-43.7K	97,431 -2.4% YoY	30,637 +9.7% YoY	33,374 +5.7% YoY	Bottom 9.6% in tier
Assets	$1.3B +3.1% YoY-0.9% QoQ	$-430.9M	$1.7B +0.9% YoY	$552.5M +15.5% YoY	$561.6M +9.7% YoY	30%
Loans	$926.3M +4.4% YoY+5.0% QoQ	$-308.1M	$1.2B +0.5% YoY	$373.6M +15.3% YoY	$397.0M +8.8% YoY	28%
Deposits	$1.1B +1.6% YoY-1.0% QoQ	$-310.7M	$1.5B +0.9% YoY	$467.0M +13.7% YoY	$477.3M +9.7% YoY	37%

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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	1.3% +136.8% YoY+8.8% QoQ	+0.6%	0.7% +20.9% YoY	0.9% +81.1% YoY	0.7% +15.9% YoY	Top 10.6% in tier
NIM	3.4% +19.3% YoY+1.8% QoQ	+0.2%	3.3% +9.2% YoY	3.9% +5.3% YoY	3.8% +5.1% YoY	58%
Efficiency Ratio	64.0% -9.8% YoY-5.3% QoQ	-10.1%	74.1% -9.5% YoY	74.2% -10.1% YoY	79.7% -3.3% YoY	Bottom 11.9% in tier
Delinquency Rate	5.1% +236.0% YoY+13.2% QoQ	+4.2	0.9% +6.2% YoY	1.0% -7.4% YoY	1.3% -2.1% YoY	Top 0.7% in tier
Loan To Share	80.6% +2.7% YoY+6.1% QoQ	-4.1%	84.8% -0.8% YoY	71.2% -0.7% YoY	67.4% -1.7% YoY	32%
AMR	$38,639 +1.4% YoY+1.4% QoQ	+$9K	$29,428 +2.4% YoY	$20,852 +6.0% YoY	$19,687 +2.0% YoY	Top 10.6% in tier
CD Concentration	27.6% -10.4% YoY-2.0% QoQ	-1.4%	29.0%	24.1%	19.8%	45%
Indirect Auto %	32.6% +7.4% YoY-2.6% QoQ	+14.3%	18.3%	14.3%	7.8%	80%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#47 of 77 • Top 60.5% 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: 1.25%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.41%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Organic Growth Engine

growth

#154 of 247 • Top 62.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.41%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.25%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 32.62%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Relationship Depth Leader

growth

#62 of 65 • Top 95.3% 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): 1.41%

(Tier: 3.31%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $5.0K

(Tier: $3.2K, National: $2.0K)

better than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#2 of 211 • Bottom 0.5% in tier

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

Why This Signature

Delinquency Change (YoY): 3.58% points

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

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Credit Risk Growth

risk

#46 of 164 • Bottom 27.6% in tier

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

Why This Signature

Loan Growth (YoY): 4.36%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 3.58% points

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

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Indirect Auto Dependency

risk

#117 of 196 • Bottom 59.5% in tier

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

Why This Signature

Asset Growth (YoY): 3.14%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 32.62%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.41%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

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 302 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $304.17

Peer Median: -

#28 of 302 Top 8.9% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.25%

Peer Median: -

#32 of 302 Top 10.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $38,639

Peer Median: -

#32 of 302 Top 10.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 63.95%

Peer Median: -

#37 of 302 Top 11.9% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,249

Peer Median: -

#38 of 302 Top 12.3% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 23.05%

Peer Median: -

#72 of 302 Top 23.5% in 1B-3B tier

Top Weaknesses (5 metrics)

301

Total Delinquency Rate (60+ days)

risk

Value: 5.10%

Peer Median: -

#301 of 302 Bottom 0.7% in 1B-3B tier

273

Total Members

engagement

Value: 53,700

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

266

Members Per Employee (MPE)

engagement

Value: 276.804

Peer Median: -

#266 of 302 Bottom 12.3% in 1B-3B tier

243

Indirect Auto Concentration (%)

balance_sheet

Value: 32.62%

Peer Median: -

#243 of 302 Bottom 19.9% in 1B-3B tier

239

Deposit Growth Rate

growth

Value: 1.64%

Peer Median: -

#239 of 302 Bottom 21.2% in 1B-3B tier