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 1.69% above tier average
- + Net Interest Margin 1.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.3% in tier
- + Asset Growth Rate: Top 1.5% in tier
- + AMR Growth Rate: Top 2.4% in tier
- + Fee Income Per Member: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.56% above tier average
- - Member decline: -2.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,073
-2.8% YoY-0.5% QoQ
|
-542 |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$31.3M
+21.2% YoY+2.8% QoQ
|
+$1.1M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$17.6M
+7.1% YoY+2.9% QoQ
|
+$1.8M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$22.8M
+25.3% YoY+3.5% QoQ
|
$-2.9M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
2.3%
-4.6% YoY+6.2% QoQ
|
+1.7% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
Top 3.8% in tier |
| NIM |
5.2%
-6.8% YoY+0.4% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Top 10.2% in tier |
| Efficiency Ratio |
61.1%
+3.8% YoY-1.9% QoQ
|
-21.4% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
2.1%
+456.8% YoY-33.2% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
77.0%
-14.5% YoY-0.6% QoQ
|
+16.4% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$19,488
+20.1% YoY+3.8% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
27.2%
+18.4% YoY-9.9% QoQ
|
+2.8% | 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)