BlastPoint's Credit Union Scorecard

GUADALUPE

Charter #66149 · NM

100M-500M
1070 CUs in 100M-500M nationally 6 in NM

GUADALUPE has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?
NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 50.0% in tier
  • + Organic Growth Engine: Top 50.0% in tier
  • + Net Interest Margin 1.09% above tier average
  • + Total Members: Top 5.1% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 50.0% in tier
  • - Efficiency ratio 4.90% above tier (higher cost structure)
  • - Delinquency rate 0.57% above tier average

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 31,561
+4.8% YoY+0.8% QoQ
 +16.4K 15,145
-2.5% YoY
 30,914
+5.7% YoY
 33,913
+5.7% YoY
 Top 5.2% in tier
Assets $348.6M
+8.2% YoY+3.7% QoQ
 +$116.9M $231.7M
+0.8% YoY
 $559.7M
+10.6% YoY
 $578.3M
+9.0% YoY
 81%
Loans $209.0M
+11.0% YoY+0.5% QoQ
 +$64.8M $144.1M
+0.2% YoY
 $378.7M
+12.3% YoY
 $402.4M
+8.7% YoY
 79%
Deposits $301.3M
+7.1% YoY+4.0% QoQ
 +$100.2M $201.1M
+0.4% YoY
 $478.4M
+9.0% YoY
 $494.3M
+9.1% YoY
 81%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.7%
-31.6% YoY-59.0% QoQ
 +0.0% 0.7%
+5.1% YoY
 0.8%
+125.8% YoY
 0.4%
-39.2% YoY
 50%
NIM 4.7%
+0.3% YoY-1.0% QoQ
 +1.1% 3.6%
+4.6% YoY
 3.9%
+3.5% YoY
 3.8%
+4.1% YoY
 Top 6.2% in tier
Efficiency Ratio 82.9%
+1.0% YoY+17.6% QoQ
 +4.9% 78.0%
-1.7% YoY
 76.9%
-4.0% YoY
 84.6%
+2.8% YoY
 65%
Delinquency Rate 1.3%
-4.5% YoY+23.8% QoQ
 +0.6 0.8%
+7.1% YoY
 0.9%
+18.5% YoY
 1.2%
+3.4% YoY
 Bottom 13.5% in tier
Loan To Share 69.4%
+3.7% YoY-3.3% QoQ
 -1.1% 70.4%
-0.4% YoY
 69.3%
+1.3% YoY
 65.6%
-1.4% YoY
 45%
AMR $16,168
+3.7% YoY+1.7% QoQ
 $-9K $24,918
+2.7% YoY
 $21,135
+4.9% YoY
 $19,920
+1.6% YoY
 Bottom 13.4% in tier
CD Concentration 28.0%
+3.7% YoY-0.7% QoQ
 +3.8% 24.3% 24.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 14.3% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#87 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.83%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth
#89 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.83%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.69%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk
#540 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.92%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.32% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 4.83%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank worsening

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)

Comparing against 1070 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
56
Total Members
engagement
Value: 31,561
Peer Median: 13,200
#56 of 1070 Top 5.1% in 100M-500M tier
66
Net Interest Margin (NIM)
profitability
Value: 4.72%
Peer Median: 3.62%
#66 of 1070 Top 6.1% in 100M-500M tier
119
Member Growth Rate
growth
Value: 4.83%
Peer Median: -0.06%
#119 of 1070 Top 11.0% in 100M-500M tier
146
Loan Growth Rate
growth
Value: 11.04%
Peer Median: 2.93%
#146 of 1070 Top 13.6% in 100M-500M tier
175
Asset Growth Rate
growth
Value: 8.18%
Peer Median: 3.91%
#175 of 1070 Top 16.3% in 100M-500M tier
202
Total Deposits
balance_sheet
Value: $301.31M
Peer Median: $171.29M
#202 of 1070 Top 18.8% in 100M-500M tier
203
Total Assets
balance_sheet
Value: $348.57M
Peer Median: $196.57M
#203 of 1070 Top 18.9% in 100M-500M tier
228
Total Loans
balance_sheet
Value: $208.98M
Peer Median: $121.41M
#228 of 1070 Top 21.2% in 100M-500M tier
233
Deposit Growth Rate
growth
Value: 7.09%
Peer Median: 3.30%
#233 of 1070 Top 21.7% in 100M-500M tier

Top Weaknesses (3 metrics)

927
Total Delinquency Rate (60+ days)
risk
Value: 1.35%
Peer Median: 0.61%
#927 of 1070 Bottom 13.5% in 100M-500M tier
927
Average Member Relationship (AMR)
engagement
Value: $16,168
Peer Median: $22,931
#927 of 1070 Bottom 13.5% in 100M-500M tier
868
Loan-to-Member Ratio (LMR)
engagement
Value: $6,621
Peer Median: $9,356
#868 of 1070 Bottom 19.0% in 100M-500M tier
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