BlastPoint's Credit Union Scorecard
LOCO
Charter #66117 · 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
|
80% |
| 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
|
79% |
| 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 |
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| 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
|
37% |
| 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
|
59% |
| 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
|
57% |
| 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
|
28% |
| 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
|
79% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
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)