BlastPoint's Credit Union Scorecard
LOCO
Charter #66117 · NM
LOCO has 4 strengths but faces 4 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 6.1% in tier
- + Fee Income Per Member: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Member decline: -8.8% YoY
- - Net Charge-Off Rate: Bottom 2.8% in tier
- - Member Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,167
-8.8% YoY-1.3% QoQ
|
+1.6K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$64.5M
+3.9% YoY-2.5% QoQ
|
+$34.4M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
85% |
| Loans |
$26.2M
-1.3% YoY-2.3% QoQ
|
+$10.4M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$56.2M
+5.3% YoY-2.0% QoQ
|
+$30.5M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Top 14.6% in tier |
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| ROA |
-0.6%
+13.1% YoY+19.8% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.1% in tier |
| NIM |
3.6%
-7.8% YoY+0.4% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
81.0%
-0.0% YoY-1.3% QoQ
|
-1.6% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.8%
-65.8% YoY-7.9% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
46.6%
-6.2% YoY-0.3% QoQ
|
-14.0% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$19,776
+13.0% YoY-0.7% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
36.4%
+27.8% YoY-2.6% QoQ
|
+12.0% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.3% | 7.8% | 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)