BlastPoint's Credit Union Scorecard
CUBA
Charter #66097 · NM
CUBA has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Member decline: -3.4% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in New Mexico.
- Shares and deposits -2.7% year over year ($19.1M in shares and deposits).
- Membership: 1,406 members, -3.4% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.92%.
- Efficiency ratio 75.16% vs a 88.77% peer average.
- Loan-to-share ratio 37.31% vs a 58.89% 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 |
1,406
-3.4% YoY-1.1% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$23.5M
-1.2% YoY-0.7% QoQ
|
$-6.8M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$7.1M
+2.9% YoY+1.8% QoQ
|
$-8.3M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$19.1M
-2.7% YoY-1.2% QoQ
|
$-6.7M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
50% |
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| ROA |
0.9%
-50.6% YoY+1.9% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
3.3%
-12.5% YoY-3.5% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
28% |
| Efficiency Ratio |
75.2%
+20.2% YoY-0.3% QoQ
|
-13.6% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
37.3%
+5.8% YoY+3.0% QoQ
|
-21.6% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$18,654
+2.3% YoY+0.7% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
25.3%
+10.2% YoY+1.8% QoQ
|
+0.7% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)