BlastPoint's Credit Union Scorecard
HIGH DESERT COMMUNITY
Charter #66185 · NM
HIGH DESERT COMMUNITY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Efficiency ratio 4.09% above tier (higher cost structure)
- - Delinquency rate 0.18% above tier average
- - Member decline: -4.8% YoY
- - Share Certificate Concentration (%): Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,952
-4.8% YoY-1.9% QoQ
|
-673 |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$16.8M
-2.3% YoY-0.1% QoQ
|
$-13.1M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$9.2M
-6.9% YoY-1.3% QoQ
|
$-6.6M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$14.5M
-1.8% YoY-0.3% QoQ
|
$-10.9M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
45% |
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 |
0.1%
-81.2% YoY-139.9% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
3.8%
-0.6% YoY+1.0% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
85.5%
+9.9% YoY+2.3% QoQ
|
+4.1% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
1.7%
-32.8% YoY+2.2% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
63.1%
-5.2% YoY-1.0% QoQ
|
+1.9% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$12,142
+1.0% YoY+1.2% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
40% |
| CD Concentration |
42.4%
+22.8% YoY+12.7% QoQ
|
+18.0% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
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)