BlastPoint's Credit Union Scorecard
GUADALUPE
Charter #66149 · NM
GUADALUPE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 1.12% above tier average
- + Total Members: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Efficiency ratio 2.64% above tier (higher cost structure)
- - Delinquency rate 0.69% above tier average
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 6 that size in New Mexico.
- Shares and deposits +3.7% year over year ($300M in shares and deposits).
- Membership: 31,883 members, +4.4% vs a year ago.
- Delinquency rate 1.57%.
- Return on assets 1.01%.
- Efficiency ratio 79.38% vs a 76.73% peer average.
- Loan-to-share ratio 71.01% vs a 71.54% 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 |
31,883
+4.4% YoY+1.0% QoQ
|
+16.7K |
15,168
-2.6% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
Top 5.4% in tier |
| Assets |
$348.2M
+4.9% YoY-0.1% QoQ
|
+$116.2M |
$232.0M
+0.7% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$213.0M
+11.0% YoY+1.9% QoQ
|
+$66.7M |
$146.3M
+0.2% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$299.9M
+3.7% YoY-0.5% QoQ
|
+$99.2M |
$200.7M
+0.2% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
82% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-35.4% YoY+45.4% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
4.8%
+2.5% YoY+1.7% QoQ
|
+1.1% |
3.7%
+4.5% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
Top 5.7% in tier |
| Efficiency Ratio |
79.4%
+5.3% YoY-4.3% QoQ
|
+2.6% |
76.7%
-0.8% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
1.6%
+49.0% YoY+16.4% QoQ
|
+0.7 |
0.9%
+6.6% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
71.0%
+7.1% YoY+2.4% QoQ
|
-0.5% |
71.5%
-0.3% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$16,088
+2.1% YoY-0.5% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.5% in tier |
| CD Concentration |
28.3%
-2.5% YoY+0.9% QoQ
|
+3.7% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % | 0.2% | -13.5% | 13.6% | 14.3% | 7.7% | 50% |
Signature Analysis
Strengths (2)
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 (<15%). Healthy, sustainable growth model.
Concerns (3)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)