BlastPoint's Credit Union Scorecard
LOCO
Charter #66117 · NM
LOCO has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Delinquency rate 1.65% above tier average
- - Member decline: -6.0% YoY
- - Net Charge-Off Rate: Bottom 6.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in New Mexico.
- Shares and deposits -5.7% year over year ($52.3M in shares and deposits).
- Membership: 4,167 members, -6.0% vs a year ago.
- Delinquency rate 3.20%.
- Return on assets 0.40%.
- Efficiency ratio 68.89% vs a 88.77% peer average.
- Loan-to-share ratio 46.09% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,167
-6.0% YoY-3.3% QoQ
|
+1.6K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$60.8M
-5.4% YoY-2.0% QoQ
|
+$30.5M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$24.1M
-9.0% YoY-3.8% QoQ
|
+$8.6M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
77% |
| Deposits |
$52.3M
-5.7% YoY-2.5% QoQ
|
+$26.5M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
0.4%
-171.9% YoY-143.0% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.6%
+2.9% YoY+9.8% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
68.9%
-18.3% YoY-10.4% QoQ
|
-19.9% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
3.2%
+50.6% YoY+130.6% QoQ
|
+1.6 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.1% in tier |
| Loan To Share |
46.1%
-3.5% YoY-1.3% QoQ
|
-12.8% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$18,336
-0.8% YoY+0.4% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
27.0%
-19.0% YoY-13.0% QoQ
|
+2.5% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)