BlastPoint's Credit Union Scorecard
QUESTA
Charter #66252 · NM
QUESTA has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.49% above tier average
- + Net Interest Margin 1.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 2.6% in tier
- + AMR Growth Rate: Top 4.4% in tier
- + Fee Income Per Member: Top 5.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.66% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,084
-1.9% YoY-4.7% QoQ
|
-541 |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$30.4M
+16.2% YoY+1.7% QoQ
|
+$572K |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$17.1M
+5.9% YoY-1.4% QoQ
|
+$1.3M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$22.1M
+19.2% YoY+1.0% QoQ
|
$-3.4M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
2.2%
-31.3% YoY-0.9% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Top 6.6% in tier |
| NIM |
5.2%
-6.8% YoY+0.1% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
62.3%
+28.5% YoY+2.1% QoQ
|
-19.0% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
3.2%
+192.0% YoY+40.3% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
Top 11.1% in tier |
| Loan To Share |
77.4%
-11.1% YoY-2.4% QoQ
|
+16.2% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$18,773
+15.2% YoY+4.8% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
30.2%
+40.6% YoY+7.6% QoQ
|
+5.8% |
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)