BlastPoint's Credit Union Scorecard

CUBA

Charter #66097 · NM

<100M

2508 CUs in <100M nationally 21 in NM

CUBA has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.75% above tier average

Key Concerns

Areas that may need attention

- Member decline: -4.2% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	1,421 -4.2% YoY-0.6% QoQ	-1.3K	2,676 +1.6% YoY	30,914 +5.7% YoY	33,913 +5.7% YoY	39%
Assets	$23.6M +1.6% YoY-0.1% QoQ	$-6.6M	$30.2M +1.3% YoY	$559.7M +10.6% YoY	$578.3M +9.0% YoY	52%
Loans	$7.0M +1.8% YoY+5.1% QoQ	$-8.3M	$15.3M -2.0% YoY	$378.7M +12.3% YoY	$402.4M +8.7% YoY	42%
Deposits	$19.3M +0.6% YoY-0.4% QoQ	$-6.5M	$25.8M +0.7% YoY	$478.4M +9.0% YoY	$494.3M +9.1% YoY	51%

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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	0.9% -64.7% YoY-39.5% QoQ	+0.8%	0.1% -77.6% YoY	0.8% +125.8% YoY	0.4% -39.2% YoY	65%
NIM	3.5% -15.2% YoY-8.2% QoQ	-0.5%	4.0% +4.0% YoY	3.9% +3.5% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	75.4% +30.7% YoY+12.9% QoQ	-15.2%	90.6% +6.5% YoY	76.9% -4.0% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	0.3% +98.3% QoQ	-1.2	1.5% +3.8% YoY	0.9% +18.5% YoY	1.2% +3.4% YoY	35%
Loan To Share	36.2% +1.2% YoY+5.5% QoQ	-22.3%	58.5% -3.0% YoY	69.3% +1.3% YoY	65.6% -1.4% YoY	18%
AMR	$18,524 +5.4% YoY+1.6% QoQ	+$4K	$14,884 -1.7% YoY	$21,135 +4.9% YoY	$19,920 +1.6% YoY	72%
CD Concentration	24.8% +12.6% YoY+3.3% QoQ	+0.5%	24.3%	24.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	14.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

604

AMR Growth Rate

growth

Value: 5.39%

Peer Median: 1.27%

#604 of 2508 Top 24.0% in <100M tier

Top Weaknesses (3 metrics)

2187

First Mortgage Concentration (%)

balance_sheet

Value: 40.91%

Peer Median: 3.66%

#2187 of 2508 Bottom 12.8% in <100M tier

2060

Loan-to-Share Ratio

balance_sheet

Value: 36.22%

Peer Median: 58.72%

#2060 of 2508 Bottom 17.9% in <100M tier

1975

Member Growth Rate

growth

Value: -4.25%

Peer Median: -1.37%

#1975 of 2508 Bottom 21.3% in <100M tier