BlastPoint's Credit Union Scorecard

GUADALUPE

Charter #66149 · NM

1069 CUs in 100M-500M nationally 6 in NM

GUADALUPE has 8 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 Engine: Top 1.0% in tier
+ Organic Growth Leader: Top 16.5% in tier
+ ROA 0.93% above tier average
+ Net Interest Margin 1.16% above tier average
+ Strong member growth: 5.5% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Members: Top 5.7% in tier
+ Member Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 36.0% in tier
- Credit Quality Pressure: Bottom 66.2% in tier
- Delinquency rate 0.19% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	31,296 +5.5% YoY+1.0% QoQ	+15.9K	15,437 -2.9% YoY	30,637 +9.7% YoY	33,374 +5.7% YoY	Top 5.8% in tier
Assets	$336.2M +9.7% YoY+0.3% QoQ	+$104.4M	$231.9M +1.3% YoY	$552.5M +15.5% YoY	$561.6M +9.7% YoY	79%
Loans	$207.9M +10.1% YoY+5.6% QoQ	+$60.5M	$147.3M -0.1% YoY	$373.6M +15.3% YoY	$397.0M +8.8% YoY	78%
Deposits	$289.7M +8.5% YoY-0.5% QoQ	+$88.9M	$200.8M +0.8% YoY	$467.0M +13.7% YoY	$477.3M +9.7% YoY	79%

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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	1.7% +55.1% YoY+21.3% QoQ	+0.9%	0.8% +18.2% YoY	0.9% +81.1% YoY	0.7% +15.9% YoY	Top 6.5% in tier
NIM	4.8% +2.0% YoY+1.2% QoQ	+1.2%	3.6% +6.7% YoY	3.9% +5.3% YoY	3.8% +5.1% YoY	Top 4.9% in tier
Efficiency Ratio	70.5% -7.9% YoY-6.6% QoQ	-6.5%	77.0% -3.1% YoY	74.2% -10.1% YoY	79.7% -3.3% YoY	27%
Delinquency Rate	1.1% +12.4% YoY-8.5% QoQ	+0.2	0.9% +4.2% YoY	1.0% -7.4% YoY	1.3% -2.1% YoY	74%
Loan To Share	71.8% +1.5% YoY+6.2% QoQ	-0.5%	72.2% -1.1% YoY	71.2% -0.7% YoY	67.4% -1.7% YoY	45%
AMR	$15,897 +3.5% YoY+1.0% QoQ	$-9K	$24,676 +3.4% YoY	$20,852 +6.0% YoY	$19,687 +2.0% YoY	Bottom 12.3% in tier
CD Concentration	28.2% +5.4% YoY+1.4% QoQ	+3.8%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	14.3%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#7 of 595 • Top 1.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.48%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.69%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#71 of 426 • Top 16.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.48%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#165 of 456 • Bottom 36.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.09%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#467 of 705 • Bottom 66.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.77%

Peer Median: -

#52 of 1069 Top 4.8% in 100M-500M tier

Total Members

engagement

Value: 31,296

Peer Median: -

#62 of 1069 Top 5.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Median: -

#70 of 1069 Top 6.5% in 100M-500M tier

Member Growth Rate

growth

Value: 5.48%

Peer Median: -

#89 of 1069 Top 8.2% in 100M-500M tier

147

Fee Income Per Member

profitability

Value: $250.49

Peer Median: -

#147 of 1069 Top 13.7% in 100M-500M tier

152

Asset Growth Rate

growth

Value: 9.67%

Peer Median: -

#152 of 1069 Top 14.1% in 100M-500M tier

167

Loan Growth Rate

growth

Value: 10.09%

Peer Median: -

#167 of 1069 Top 15.5% in 100M-500M tier

192

Deposit Growth Rate

growth

Value: 8.48%

Peer Median: -

#192 of 1069 Top 17.9% in 100M-500M tier

223

Total Assets

balance_sheet

Value: $336.24M

Peer Median: -

#223 of 1069 Top 20.8% in 100M-500M tier

Top Weaknesses (2 metrics)

937

Average Member Relationship (AMR)

engagement

Value: $15,897

Peer Median: -

#937 of 1069 Bottom 12.4% in 100M-500M tier

869

Loan-to-Member Ratio (LMR)

engagement

Value: $6,642

Peer Median: -

#869 of 1069 Bottom 18.8% in 100M-500M tier