BlastPoint's Credit Union Scorecard
HIGH DESERT COMMUNITY
Charter #66185 · NM
HIGH DESERT COMMUNITY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 2.56% above tier (higher cost structure)
- - Member decline: -5.3% YoY
- - Share Certificate Concentration (%): Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,923
-5.3% YoY-1.5% QoQ
|
-692 |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$17.2M
+2.7% YoY+2.2% QoQ
|
$-13.0M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$8.2M
-10.5% YoY-11.0% QoQ
|
$-7.6M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$14.9M
+2.8% YoY+2.3% QoQ
|
$-10.8M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.2%
-134.4% YoY+260.0% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.7%
-4.5% YoY-2.1% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
85.1%
+4.5% YoY-0.4% QoQ
|
+2.6% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.8%
-68.6% YoY-52.0% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
54.9%
-13.0% YoY-13.0% QoQ
|
-5.7% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$11,977
+3.1% YoY-1.4% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
41.8%
+21.9% YoY-1.3% QoQ
|
+17.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.3% | 7.8% | 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)