BlastPoint's Credit Union Scorecard
INTERNATIONALITES
Charter #7027 · NM
INTERNATIONALITES has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.2% in tier
- + Loan-to-Share Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency ratio 15.77% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 5.2% in tier
- - Deposit Growth Rate: Bottom 5.4% in tier
- - AMR Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,201
-0.5% YoY+0.3% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$11.3M
-9.5% YoY-2.3% QoQ
|
$-18.9M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$8.3M
-5.1% YoY+2.2% QoQ
|
$-7.4M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$9.2M
-11.5% YoY-3.2% QoQ
|
$-16.5M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.1%
-1341.2% YoY-50.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.2%
+32.5% YoY+4.7% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
98.3%
-1.8% YoY+1.9% QoQ
|
+15.8% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Top 12.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
90.7%
+7.3% YoY+5.5% QoQ
|
+30.0% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
Top 9.4% in tier |
| AMR |
$14,607
-8.1% YoY-1.0% QoQ
|
$-176 |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
9.6%
+4.1% YoY-2.1% QoQ
|
-14.8% | 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)