BlastPoint's Credit Union Scorecard

CANNON

Charter #7822 · NM

100M-500M

1024 CUs in 100M-500M nationally 6 in NM

CANNON has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.83% above tier average
+ First Mortgage Concentration (%): Top 2.1% in tier
+ Total Delinquency Rate (60+ days): Top 3.2% in tier
+ Share Certificate Concentration (%): Top 5.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Total Assets: Bottom 1.3% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 6 that size in New Mexico.
Shares and deposits +1.4% year over year ($87.5M in shares and deposits).
Membership: 9,181 members, -0.7% vs a year ago.
Delinquency rate 0.06%.
Return on assets 0.91%.
Efficiency ratio 74.56% vs a 76.73% peer average.
Loan-to-share ratio 54.69% vs a 71.54% 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	9,181 -0.7% YoY-1.0% QoQ	-6.0K	15,168 -2.6% YoY	31,280 +3.2% YoY	34,678 +6.6% YoY	26%
Assets	$101.7M +2.4% YoY-1.4% QoQ	$-130.3M	$232.0M +0.7% YoY	$563.2M +7.3% YoY	$593.1M +10.2% YoY	Bottom 1.2% in tier
Loans	$47.8M -8.4% YoY-0.9% QoQ	$-98.4M	$146.3M +0.2% YoY	$387.4M +10.2% YoY	$418.6M +10.1% YoY	Bottom 5.4% in tier
Deposits	$87.5M +1.4% YoY-2.0% QoQ	$-113.2M	$200.7M +0.2% YoY	$479.3M +6.9% YoY	$504.8M +10.3% YoY	Bottom 2.0% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -45.5% YoY+18.8% QoQ	+0.0%	0.9% +12.5% YoY	1.0% +20.6% YoY	1.2% +121.4% YoY	60%
NIM	4.5% -4.7% YoY+1.3% QoQ	+0.8%	3.7% +4.5% YoY	3.9% +4.7% YoY	3.8% +2.3% YoY	Top 10.5% in tier
Efficiency Ratio	74.6% +5.0% YoY-0.0% QoQ	-2.2%	76.7% -0.8% YoY	77.7% +3.4% YoY	83.0% -5.3% YoY	39%
Delinquency Rate	0.1% -84.3% YoY-47.9% QoQ	-0.8	0.9% +6.6% YoY	1.0% +10.0% YoY	1.3% +2.6% YoY	Top 3.2% in tier
Loan To Share	54.7% -9.6% YoY+1.1% QoQ	-16.9%	71.5% -0.3% YoY	70.5% +0.9% YoY	66.4% -1.4% YoY	17%
AMR	$14,740 -1.6% YoY-0.6% QoQ	$-10K	$25,107 +3.2% YoY	$21,119 +3.0% YoY	$20,028 -0.9% YoY	Bottom 8.3% in tier
CD Concentration	5.3% -16.4% YoY+1.2% QoQ	-19.2%	24.6%	24.3%	20.0%	50%
Indirect Auto %	42.1% -5.7% YoY-2.1% QoQ	+28.5%	13.6%	14.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Indirect Auto Dependency

risk

#153 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.42%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 42.11%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.70%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | New qualifier

Margin Compression

decline

#80 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.91%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.67%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.76% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#151 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.64%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Stagnation Risk

risk

#411 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.70%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.43%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.06%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#42 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.70%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -1.64%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Institutional Decline

decline

#210 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $101.74M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -0.70%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.43%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Membership Headwinds

decline

#509 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.70%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.68%

Peer Median: 29.92%

#22 of 1024 Top 2.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.71%

#34 of 1024 Top 3.2% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 5.35%

Peer Median: 23.39%

#53 of 1024 Top 5.1% in 100M-500M tier

108

Net Interest Margin (NIM)

profitability

Value: 4.52%

Peer Median: 3.67%

#108 of 1024 Top 10.4% in 100M-500M tier

Top Weaknesses (11 metrics)

1012

Total Assets

balance_sheet

Value: $101.74M

Peer Median: $196.38M

#1012 of 1024 Bottom 1.3% in 100M-500M tier

1004

Total Deposits

balance_sheet

Value: $87.49M

Peer Median: $170.77M

#1004 of 1024 Bottom 2.1% in 100M-500M tier

984

Loan Growth Rate

growth

Value: -8.43%

Peer Median: 3.02%

#984 of 1024 Bottom 4.0% in 100M-500M tier

969

Total Loans

balance_sheet

Value: $47.84M

Peer Median: $124.04M

#969 of 1024 Bottom 5.5% in 100M-500M tier

954

Indirect Auto Concentration (%)

balance_sheet

Value: 42.11%

Peer Median: 6.15%

#954 of 1024 Bottom 6.9% in 100M-500M tier

953

Loan-to-Member Ratio (LMR)

engagement

Value: $5,211

Peer Median: $9,434

#953 of 1024 Bottom 7.0% in 100M-500M tier

939

Average Member Relationship (AMR)

engagement

Value: $14,740

Peer Median: $23,006

#939 of 1024 Bottom 8.4% in 100M-500M tier

901

AMR Growth Rate

growth

Value: -1.64%

Peer Median: 3.53%

#901 of 1024 Bottom 12.1% in 100M-500M tier

854

Loan-to-Share Ratio

balance_sheet

Value: 54.69%

Peer Median: 73.07%

#854 of 1024 Bottom 16.7% in 100M-500M tier

796

Net Charge-Off Rate

risk

Value: 0.65%

Peer Median: 0.34%

#796 of 1024 Bottom 22.4% in 100M-500M tier