BlastPoint's Credit Union Scorecard
HIGH DESERT COMMUNITY
Charter #66185 · NM
HIGH DESERT COMMUNITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.42% above tier average
- + Efficiency Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.17% above tier average
- - Member decline: -5.7% YoY
- - Fee Income Per Member: Bottom 4.7% in tier
- - Share Certificate Concentration (%): Bottom 6.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,894
-5.7% YoY-1.5% QoQ
|
-782 |
2,676
+1.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$18.2M
+6.9% YoY+6.2% QoQ
|
$-12.0M |
$30.2M
+1.3% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$7.6M
-15.5% YoY-7.1% QoQ
|
$-7.7M |
$15.3M
-2.0% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$15.8M
+6.8% YoY+6.1% QoQ
|
$-10.0M |
$25.8M
+0.7% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
1.6%
+1458.3% YoY+662.8% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Top 13.8% in tier |
| NIM |
3.2%
-12.6% YoY-13.3% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
51.0%
-39.9% YoY-40.1% QoQ
|
-39.6% |
90.6%
+6.5% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
Top 5.3% in tier |
| Delinquency Rate |
1.7%
-11.2% YoY+106.8% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
48.1%
-20.8% YoY-12.4% QoQ
|
-10.4% |
58.5%
-3.0% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$12,338
+4.3% YoY+3.0% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
42.1%
+10.5% YoY+0.7% QoQ
|
+17.9% | 24.3% | 24.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)