BlastPoint's Credit Union Scorecard
FIRST FINANCIAL
Charter #68244 · NM
FIRST FINANCIAL has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 14.8% in tier
- + Net Interest Margin 0.54% above tier average
- + Strong member growth: 5.4% YoY
- + First Mortgage Concentration (%): Top 6.0% in tier
- + Asset Growth Rate: Top 7.0% in tier
- + Deposit Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.0% in tier
- - Credit Quality Pressure: Bottom 8.3% in tier
- - Indirect Auto Dependency: Bottom 8.6% in tier
- - Credit Risk Growth: Bottom 12.9% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 12.52% above tier (higher cost structure)
- - Delinquency rate 0.54% above tier average
- - Average Member Relationship (AMR): Bottom 3.0% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in New Mexico.
- Shares and deposits +14.2% year over year ($1.02B in shares and deposits).
- Membership: 100,171 members, +5.4% vs a year ago.
- Delinquency rate 1.40%.
- Return on assets 0.29%.
- Efficiency ratio 85.54% vs a 73.02% peer average.
- Loan-to-share ratio 73.78% vs a 84.71% 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 |
100,171
+5.4% YoY+0.8% QoQ
|
+3.3K |
96,861
-1.9% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$1.1B
+13.9% YoY-0.4% QoQ
|
$-597.7M |
$1.7B
+0.4% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
15% |
| Loans |
$751.4M
+13.3% YoY+3.2% QoQ
|
$-482.8M |
$1.2B
+0.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.0% in tier |
| Deposits |
$1.0B
+14.2% YoY-0.6% QoQ
|
$-444.9M |
$1.5B
+0.5% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
23% |
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 |
0.3%
-9.5% YoY-399.4% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.7% in tier |
| NIM |
4.0%
+7.0% YoY+8.0% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
85.5%
-1.2% YoY-3.4% QoQ
|
+12.5% |
73.0%
-2.7% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate |
1.4%
+42.9% YoY+23.2% QoQ
|
+0.5 |
0.9%
+7.3% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.7% in tier |
| Loan To Share |
73.8%
-0.8% YoY+3.8% QoQ
|
-10.9% |
84.7%
+0.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$17,668
+8.0% YoY+0.2% QoQ
|
$-12K |
$29,575
+1.5% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.7% in tier |
| CD Concentration |
19.3%
+1.0% YoY-3.0% QoQ
|
-9.8% | 29.1% | 24.3% | 20.0% | Bottom 12.3% in tier |
| Indirect Auto % |
47.1%
-11.3% YoY-2.1% QoQ
|
+29.1% | 18.1% | 14.3% | 7.7% | Bottom 5.3% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)