BlastPoint's Credit Union Scorecard
GUADALUPE
Charter #66149 · NM
GUADALUPE has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 1.4% in tier
- + Organic Growth Leader: Top 7.2% in tier
- + Profitability Leader: Top 54.9% in tier
- + ROA 0.61% above tier average
- + Net Interest Margin 1.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 6.5% in tier
- + Asset Growth Rate: Top 7.0% in tier
- + Deposit Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 24.7% in tier
- - Credit Quality Pressure: Bottom 26.1% in tier
- - Delinquency rate 0.33% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,999
+4.6% YoY+1.5% QoQ
|
+15.4K |
15,628
-3.4% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
Top 6.6% in tier |
| Assets |
$335.3M
+11.6% YoY+1.1% QoQ
|
+$104.0M |
$231.3M
-0.0% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$196.8M
+5.5% YoY+2.6% QoQ
|
+$49.0M |
$147.8M
-1.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$291.2M
+10.9% YoY+0.7% QoQ
|
+$90.9M |
$200.3M
-0.0% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
1.4%
+16.8% YoY-10.6% QoQ
|
+0.6% |
0.8%
+15.5% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Top 14.7% in tier |
| NIM |
4.7%
-1.3% YoY+0.6% QoQ
|
+1.1% |
3.6%
+6.9% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
Top 5.5% in tier |
| Efficiency Ratio |
75.5%
+0.1% YoY+0.1% QoQ
|
-1.8% |
77.3%
-3.0% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
1.2%
+2.7% YoY+13.0% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
67.6%
-4.8% YoY+1.9% QoQ
|
-5.1% |
72.7%
-1.5% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
35% |
| AMR |
$15,742
+3.9% YoY-0.1% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.9% in tier |
| CD Concentration |
27.8%
+8.1% YoY-4.0% QoQ
|
+3.4% |
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 (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)