BlastPoint's Credit Union Scorecard
STATE EMPLOYEES
Charter #65513 · NM
STATE EMPLOYEES has 4 strengths but faces 8 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
- + Emerging Performer: Top 39.5% in tier
- + ROA 0.09% above tier average
- + Net Interest Margin 0.32% above tier average
- + Strong member growth: 5.4% YoY
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.4% in tier
- - Wealth Migration Risk: Bottom 14.9% in tier
- - Margin Compression: Bottom 39.5% in tier
- - Credit Risk Growth: Bottom 42.7% in tier
- - Indirect Auto Dependency: Bottom 91.4% in tier
- - Shrinking Wallet Share: Bottom 92.5% in tier
- - Deposit Outflow: Bottom 94.9% in tier
- - Delinquency rate 3.60% above tier average
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 -2.2% year over year ($1.14B in shares and deposits).
- Membership: 56,434 members, +5.4% vs a year ago.
- Delinquency rate 4.46%.
- Return on assets 0.91%.
- Efficiency ratio 67.75% vs a 73.02% peer average.
- Loan-to-share ratio 83.42% 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 |
56,434
+5.4% YoY+1.3% QoQ
|
-40.4K |
96,861
-1.9% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
Bottom 11.7% in tier |
| Assets |
$1.3B
-1.1% YoY-1.5% QoQ
|
$-436.0M |
$1.7B
+0.4% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$949.2M
+7.3% YoY+1.2% QoQ
|
$-285.0M |
$1.2B
+0.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$1.1B
-2.2% YoY-2.0% QoQ
|
$-325.5M |
$1.5B
+0.5% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.9%
-27.3% YoY+38.2% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
3.7%
+12.6% YoY+5.9% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
67.8%
+3.8% YoY-7.2% QoQ
|
-5.3% |
73.0%
-2.7% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
4.5%
+22.0% YoY-8.6% QoQ
|
+3.6 |
0.9%
+7.3% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.7% in tier |
| Loan To Share |
83.4%
+9.7% YoY+3.3% QoQ
|
-1.3% |
84.7%
+0.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$36,982
-3.3% YoY-1.8% QoQ
|
+$7K |
$29,575
+1.5% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
Top 13.3% in tier |
| CD Concentration |
26.2%
-8.7% YoY-2.2% QoQ
|
-2.9% | 29.1% | 24.3% | 20.0% | 39% |
| Indirect Auto % |
37.2%
+12.6% YoY+6.1% QoQ
|
+19.1% | 18.1% | 14.3% | 7.7% | Bottom 12.5% in tier |
Signature Analysis
Strengths (1)
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 (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)