BlastPoint's Credit Union Scorecard
LOCO
Charter #66117 · NM
LOCO has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.07% below tier average
- - Member decline: -4.3% YoY
- - Net Charge-Off Rate: Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,308
-4.3% YoY+3.4% QoQ
|
+1.6K |
2,676
+1.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$62.0M
-2.5% YoY-3.9% QoQ
|
+$31.8M |
$30.2M
+1.3% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$25.0M
-2.6% YoY-4.4% QoQ
|
+$9.8M |
$15.3M
-2.0% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$53.6M
-1.8% YoY-4.6% QoQ
|
+$27.9M |
$25.8M
+0.7% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
-0.9%
+34.4% YoY+58.5% QoQ
|
-1.1% |
0.1%
-77.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.9% in tier |
| NIM |
3.3%
-10.8% YoY-8.8% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
76.9%
-14.9% YoY-5.1% QoQ
|
-13.8% |
90.6%
+6.5% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
1.4%
-24.8% YoY+74.4% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
46.7%
-0.7% YoY+0.2% QoQ
|
-11.8% |
58.5%
-3.0% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$18,264
+2.3% YoY-7.6% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
31.1%
-1.2% YoY-14.7% QoQ
|
+6.8% | 24.3% | 24.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)