BlastPoint's Credit Union Scorecard
HIGH DESERT COMMUNITY
Charter #66185 · NM
HIGH DESERT COMMUNITY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 5.5% in tier
- + Asset Growth Rate: Top 9.2% in tier
- + Deposit Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Delinquency rate 0.41% above tier average
- - Member decline: -7.1% YoY
- - Loan Growth Rate: Bottom 4.3% in tier
- - Share Certificate Concentration (%): Bottom 5.7% 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 +9.2% year over year ($15.9M in shares and deposits).
- Membership: 1,848 members, -7.1% vs a year ago.
- Delinquency rate 1.95%.
- Return on assets 1.01%.
- Efficiency ratio 80.50% vs a 88.77% peer average.
- Loan-to-share ratio 44.13% 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 |
1,848
-7.1% YoY-2.4% QoQ
|
-737 |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$18.3M
+8.8% YoY+0.3% QoQ
|
$-12.0M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$7.0M
-24.4% YoY-7.4% QoQ
|
$-8.4M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$15.9M
+9.2% YoY+0.8% QoQ
|
$-9.9M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
1.0%
-810.2% YoY-35.2% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
3.2%
-15.3% YoY-1.3% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
80.5%
-3.6% YoY+57.8% QoQ
|
-8.3% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
2.0%
+18.3% YoY+16.5% QoQ
|
+0.4 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
44.1%
-30.8% YoY-8.2% QoQ
|
-14.8% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$12,411
+3.5% YoY+0.6% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
43.8%
+16.4% YoY+4.0% QoQ
|
+19.3% | 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)