BlastPoint's Credit Union Scorecard

STATE EMPLOYEES

Charter #65513 · NM

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

STATE EMPLOYEES has 2 strengths but faces 7 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 52.0% in tier
+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.5% in tier
- Credit Risk Growth: Bottom 38.2% in tier
- Indirect Auto Dependency: Bottom 83.4% in tier
- Shrinking Wallet Share: Bottom 85.3% in tier
- ROA 0.06% below tier average
- Delinquency rate 4.13% above tier average
- Total Delinquency Rate (60+ days): Bottom 0.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	55,710 +4.8% YoY+3.7% QoQ	-40.3K	96,048 -2.7% YoY	30,914 +5.7% YoY	33,913 +5.7% YoY	Bottom 10.8% in tier
Assets	$1.3B +1.0% YoY+1.2% QoQ	$-412.1M	$1.7B +0.4% YoY	$559.7M +10.6% YoY	$578.3M +9.0% YoY	31%
Loans	$937.5M +7.4% YoY+1.2% QoQ	$-276.2M	$1.2B +0.2% YoY	$378.7M +12.3% YoY	$402.4M +8.7% YoY	32%
Deposits	$1.2B +0.1% YoY+1.1% QoQ	$-304.3M	$1.5B +0.5% YoY	$478.4M +9.0% YoY	$494.3M +9.1% 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	0.7% -44.2% YoY-47.6% QoQ	-0.1%	0.7% +27.6% YoY	0.8% +125.8% YoY	0.4% -39.2% YoY	50%
NIM	3.5% +8.5% YoY+2.8% QoQ	+0.2%	3.4% +6.2% YoY	3.9% +3.5% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	73.0% +5.2% YoY+14.1% QoQ	-1.7%	74.6% -3.0% YoY	76.9% -4.0% YoY	84.6% +2.8% YoY	41%
Delinquency Rate	4.9% +141.9% YoY-4.1% QoQ	+4.1	0.8% +6.9% YoY	0.9% +18.5% YoY	1.2% +3.4% YoY	Bottom 0.7% in tier
Loan To Share	80.7% +7.3% YoY+0.1% QoQ	-2.5%	83.2% -0.4% YoY	69.3% +1.3% YoY	65.6% -1.4% YoY	36%
AMR	$37,672 -1.5% YoY-2.5% QoQ	+$8K	$29,652 +2.3% YoY	$21,135 +4.9% YoY	$19,920 +1.6% YoY	Top 13.1% in tier
CD Concentration	26.8% -9.9% YoY-3.2% QoQ	-2.1%	28.8%	24.0%	19.8%	42%
Indirect Auto %	35.1% +10.1% YoY+7.5% QoQ	+17.0%	18.1%	14.3%	7.7%	84%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#47 of 79 • Top 52.0% 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: 0.66%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 4.84%

(Tier: 3.50%, National: 10.19%)

better than tier avg

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

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

Concerns (4)

Credit Quality Pressure

risk

#2 of 225 • 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): 2.87% points

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

worse than tier avg

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

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

Credit Risk Growth

risk

#20 of 183 • Bottom 38.2% in tier

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

Why This Signature

Loan Growth (YoY): 7.38%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 2.87% points

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

worse than tier avg

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

→ No prior data (183 CUs now) | New qualifier

Shrinking Wallet Share

decline

#57 of 82 • Bottom 85.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.53%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#149 of 198 • Bottom 83.4% in tier

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

Why This Signature

Asset Growth (YoY): 1.02%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 35.06%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.84%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

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

↓ Shrinking -10 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 306 peers in tier

Top Strengths (4 metrics)

Average Member Relationship (AMR)

engagement

Value: $37,672

Peer Median: $28,178

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

Loan-to-Member Ratio (LMR)

engagement

Value: $16,828

Peer Median: $12,733

#42 of 306 Top 13.4% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.59%

Peer Median: 33.05%

#59 of 306 Top 19.0% in 1B-3B tier

Member Growth Rate

growth

Value: 4.84%

Peer Median: 2.03%

#67 of 306 Top 21.6% in 1B-3B tier

Top Weaknesses (7 metrics)

305

Total Delinquency Rate (60+ days)

risk

Value: 4.89%

Peer Median: 0.63%

#305 of 306 Bottom 0.7% in 1B-3B tier

273

Total Members

engagement

Value: 55,710

Peer Median: 85,918

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

268

Members Per Employee (MPE)

engagement

Value: 273.088

Peer Median: 345.077

#268 of 306 Bottom 12.7% in 1B-3B tier

263

Deposit Growth Rate

growth

Value: 0.12%

Peer Median: 4.44%

#263 of 306 Bottom 14.4% in 1B-3B tier

261

AMR Growth Rate

growth

Value: -1.53%

Peer Median: 3.15%

#261 of 306 Bottom 15.0% in 1B-3B tier

259

Indirect Auto Concentration (%)

balance_sheet

Value: 35.06%

Peer Median: 13.86%

#259 of 306 Bottom 15.7% in 1B-3B tier

255

Asset Growth Rate

growth

Value: 1.02%

Peer Median: 4.82%

#255 of 306 Bottom 17.0% in 1B-3B tier