BlastPoint's Credit Union Scorecard
CANNON
Charter #7822 · NM
CANNON has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 23.2% in tier
- + Organic Growth Engine: Top 28.0% in tier
- + ROA 0.86% above tier average
- + Net Interest Margin 1.31% above tier average
- + First Mortgage Concentration (%): Top 1.9% in tier
- + Share Certificate Concentration (%): Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 17.2% in tier
- - Shrinking Wallet Share: Bottom 40.6% in tier
- - Indirect Auto Dependency: Bottom 54.9% in tier
- - Credit Quality Pressure: Bottom 63.1% in tier
- - Total Assets: Bottom 0.2% in tier
- - Total Deposits: Bottom 1.3% in tier
- - Total Loans: Bottom 5.4% in tier
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.6% in tier
- - Average Member Relationship (AMR): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,325
+3.0% YoY-0.3% QoQ
|
-6.1K |
15,437
-2.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$100.3M
+1.7% YoY+2.6% QoQ
|
$-131.5M |
$231.9M
+1.3% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.1% in tier |
| Loans |
$49.8M
-0.9% YoY-6.4% QoQ
|
$-97.5M |
$147.3M
-0.1% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.3% in tier |
| Deposits |
$86.7M
+0.1% YoY+2.7% QoQ
|
$-114.1M |
$200.8M
+0.8% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.2% in tier |
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| ROA |
1.6%
-20.3% YoY-6.6% QoQ
|
+0.9% |
0.8%
+18.2% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
Top 7.8% in tier |
| NIM |
4.9%
-1.8% YoY-0.6% QoQ
|
+1.3% |
3.6%
+6.7% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
69.4%
+7.1% YoY-0.1% QoQ
|
-7.6% |
77.0%
-3.1% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.3%
+72.3% YoY+16.9% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
57.5%
-1.0% YoY-8.9% QoQ
|
-14.7% |
72.2%
-1.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$14,636
-3.2% YoY-0.6% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.3% in tier |
| CD Concentration |
5.5%
-16.2% YoY-2.5% QoQ
|
-18.9% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
44.2%
+3.6% YoY-2.6% QoQ
|
+30.4% | 13.8% | 14.3% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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.
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)