BlastPoint's Credit Union Scorecard
QUESTA
Charter #66252 · NM
QUESTA has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.74% above tier average
- + Net Interest Margin 1.51% above tier average
- + Fee Income Per Member: Top 2.1% in tier
- + Efficiency Ratio: Top 5.2% in tier
- + AMR Growth Rate: Top 6.0% in tier
- + Loan Growth Rate: Top 6.3% in tier
- + Asset Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.53% above tier average
- - Member decline: -2.6% YoY
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 +8.4% year over year ($23.7M in shares and deposits).
- Membership: 2,129 members, -2.6% vs a year ago.
- Delinquency rate 2.08%.
- Return on assets 3.23%.
- Efficiency ratio 51.40% vs a 88.77% peer average.
- Loan-to-share ratio 83.02% 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 |
2,129
-2.6% YoY+1.5% QoQ
|
-456 |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$32.6M
+9.0% YoY+1.8% QoQ
|
+$2.3M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$19.6M
+13.4% YoY+6.0% QoQ
|
+$4.2M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$23.7M
+8.4% YoY+2.4% QoQ
|
$-2.1M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
3.2%
+47.0% YoY-1.2% QoQ
|
+1.7% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
Top 3.6% in tier |
| NIM |
5.4%
+4.2% YoY-1.0% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
Top 6.7% in tier |
| Efficiency Ratio |
51.4%
-15.8% YoY+1.1% QoQ
|
-37.4% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
Top 5.2% in tier |
| Delinquency Rate |
2.1%
-7.9% YoY-6.2% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
83.0%
+4.6% YoY+3.5% QoQ
|
+24.1% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$20,345
+13.6% YoY+2.5% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
29.8%
+6.2% YoY-0.2% QoQ
|
+5.3% | 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)