LOCO

Charter #66117 | NM

<100M (2596 CUs) Micro
22 <100M in NM

LOCO has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + AMR Growth Rate: Top 5.3% in tier
  • + Fee Income Per Member: Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - ROA 1.17% below tier average
  • - Efficiency ratio 0.68% above tier (higher cost structure)
  • - Member decline: -8.3% YoY
  • - Net Charge-Off Rate: Bottom 3.8% in tier
  • - Member Growth Rate: Bottom 8.1% in tier
  • - Share Certificate Concentration (%): Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 4,224
-8.3% YoY-4.7% QoQ
 +1.6K 2,625
-2.2% YoY
 30,510
+9.1% YoY
 33,089
+6.1% YoY
 Top 19.6% in tier
Assets $66.2M
+6.1% YoY+3.0% QoQ
 +$36.3M $29.9M
+1.1% YoY
 $545.3M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 13.9% in tier
Loans $26.8M
-2.7% YoY+1.2% QoQ
 +$11.0M $15.8M
-2.4% YoY
 $367.9M
+14.8% YoY
 $388.7M
+8.6% YoY
 Top 21.2% in tier
Deposits $57.3M
+7.8% YoY+3.3% QoQ
 +$31.9M $25.5M
+0.4% YoY
 $461.5M
+14.0% YoY
 $464.6M
+9.3% YoY
 Top 13.4% in tier
ROA -0.5%
+3.8% YoY-12.0% QoQ
 -1.2% 0.7%
-731.4% YoY
 0.9%
+49.5% YoY
 0.7%
+273.4% YoY
 Bottom 9.1% in tier
NIM 3.6%
-7.9% YoY+2.3% QoQ
 -0.4% 3.9%
+3.8% YoY
 3.9%
+6.9% YoY
 3.7%
+5.0% YoY
 37th in tier
Efficiency Ratio 82.1%
+0.1% YoY-2.6% QoQ
 +0.7% 81.4%
-2.4% YoY
 73.5%
-8.8% YoY
 79.1%
-3.3% YoY
 59th in tier
Delinquency Rate 0.9%
-62.0% YoY-59.4% QoQ
 -0.6 1.5%
-2.0% YoY
 1.1%
+5.6% YoY
 1.2%
-0.9% YoY
 57th in tier
Loan To Share 46.8%
-9.7% YoY-2.1% QoQ
 -14.5% 61.2%
-3.0% YoY
 71.6%
-0.2% YoY
 68.0%
-1.7% YoY
 28th in tier
AMR $19,922
+13.7% YoY+7.7% QoQ
 +$5K $14,627
-2.7% YoY
 $20,672
+6.3% YoY
 $19,418
+1.3% YoY
 Top 21.0% in tier
CD Concentration 37.4%
+28.1% YoY+12.2% QoQ
 +13.0% 24.4%
+4.2% YoY
 24.3%
+4.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 14.5%
+3.5% YoY
 7.9%
-2.9% YoY
 50th in tier

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)

Comparing against 2596 peers in tier

Top Strengths (11 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
138
AMR Growth Rate
growth
Value: 13.70%
Peer Avg: 4.67%
#138 of 2596 Top 5.3% in <100M tier
218
Fee Income Per Member
profitability
Value: $184.13
Peer Avg: $182.96
#218 of 2596 Top 8.4% in <100M tier
348
Total Deposits
balance_sheet
Value: $57.33M
Peer Avg: $25.45M
#348 of 2596 Top 13.4% in <100M tier
358
Deposit Growth Rate
growth
Value: 7.82%
Peer Avg: 16.80%
#358 of 2596 Top 13.8% in <100M tier
360
Total Assets
balance_sheet
Value: $66.18M
Peer Avg: $29.86M
#360 of 2596 Top 13.8% in <100M tier
510
Total Members
engagement
Value: 4,224
Peer Avg: 2,626
#510 of 2596 Top 19.6% in <100M tier
512
Asset Growth Rate
growth
Value: 6.14%
Peer Avg: 1.82%
#512 of 2596 Top 19.7% in <100M tier
544
Average Member Relationship (AMR)
engagement
Value: $19,922
Peer Avg: $14,627
#544 of 2596 Top 20.9% in <100M tier

Top Weaknesses (4 metrics)

2499
Net Charge-Off Rate
risk
Value: 2.72%
Peer Avg: 0.57%
#2499 of 2596 Bottom 3.8% in <100M tier
2386
Member Growth Rate
growth
Value: -8.31%
Peer Avg: 14.92%
#2386 of 2596 Bottom 8.1% in <100M tier
2361
Return on Assets (ROA)
profitability
Value: -0.49%
Peer Avg: 0.68%
#2361 of 2596 Bottom 9.1% in <100M tier
2353
Share Certificate Concentration (%)
balance_sheet
Value: 37.42%
Peer Avg: 15.37%
#2353 of 2596 Bottom 9.4% in <100M tier