BlastPoint's Credit Union Scorecard
INTERNATIONALITES
Charter #7027 · NM
INTERNATIONALITES has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 26.12% above tier (higher cost structure)
- - Member decline: -12.0% YoY
- - Asset Growth Rate: Bottom 4.4% in tier
- - Member Growth Rate: Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,058
-12.0% YoY-11.9% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$11.4M
-10.2% YoY+0.7% QoQ
|
$-18.8M |
$30.2M
+1.3% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
34% |
| Loans |
$8.5M
+3.5% YoY+2.4% QoQ
|
$-6.7M |
$15.3M
-2.0% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$9.4M
-11.4% YoY+1.9% QoQ
|
$-16.4M |
$25.8M
+0.7% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
34% |
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| ROA |
-0.8%
-343.4% YoY-1058.0% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.0% in tier |
| NIM |
3.4%
+16.4% YoY+4.7% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
116.8%
+25.9% YoY+18.7% QoQ
|
+26.1% |
90.6%
+6.5% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
91.1%
+16.8% YoY+0.5% QoQ
|
+32.6% |
58.5%
-3.0% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 7.4% in tier |
| AMR |
$16,929
+8.1% YoY+15.9% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
10.1%
+6.4% YoY+4.8% QoQ
|
-14.2% | 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)