BlastPoint's Credit Union Scorecard

CANNON

Charter #7822 · NM

100M-500M
1070 CUs in 100M-500M nationally 6 in NM

CANNON has 5 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

  • + Emerging Performer: Top 50.0% in tier
  • + Net Interest Margin 0.83% above tier average
  • + First Mortgage Concentration (%): Top 2.1% in tier
  • + Share Certificate Concentration (%): Top 4.8% in tier
  • + Total Delinquency Rate (60+ days): Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Margin Compression: Bottom 50.0% in tier
  • - Total Deposits: Bottom 2.5% in tier
  • - Total Assets: Bottom 3.3% in tier
  • - Total Loans: Bottom 5.6% in tier
  • - Indirect Auto Concentration (%): Bottom 6.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 7.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 9,273
+2.0% YoY-0.6% QoQ
 -5.9K 15,145
-2.5% YoY
 30,914
+5.7% YoY
 33,913
+5.7% YoY
 26%
Assets $103.2M
+1.1% YoY+2.8% QoQ
 $-128.5M $231.7M
+0.8% YoY
 $559.7M
+10.6% YoY
 $578.3M
+9.0% YoY
 Bottom 3.2% in tier
Loans $48.3M
-3.4% YoY-3.1% QoQ
 $-95.9M $144.1M
+0.2% YoY
 $378.7M
+12.3% YoY
 $402.4M
+8.7% YoY
 Bottom 5.5% in tier
Deposits $89.3M
-0.1% YoY+3.0% QoQ
 $-111.9M $201.1M
+0.4% YoY
 $478.4M
+9.0% YoY
 $494.3M
+9.1% YoY
 Bottom 2.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.8%
-52.2% YoY-52.8% QoQ
 +0.0% 0.7%
+5.1% YoY
 0.8%
+125.8% YoY
 0.4%
-39.2% YoY
 55%
NIM 4.5%
-5.1% YoY-9.2% QoQ
 +0.8% 3.6%
+4.6% YoY
 3.9%
+3.5% YoY
 3.8%
+4.1% YoY
 Top 10.5% in tier
Efficiency Ratio 74.6%
+3.2% YoY+7.5% QoQ
 -3.5% 78.0%
-1.7% YoY
 76.9%
-4.0% YoY
 84.6%
+2.8% YoY
 36%
Delinquency Rate 0.1%
-28.8% YoY-64.7% QoQ
 -0.7 0.8%
+7.1% YoY
 0.9%
+18.5% YoY
 1.2%
+3.4% YoY
 Top 7.6% in tier
Loan To Share 54.1%
-3.4% YoY-5.9% QoQ
 -16.3% 70.4%
-0.4% YoY
 69.3%
+1.3% YoY
 65.6%
-1.4% YoY
 16%
AMR $14,830
-3.3% YoY+1.3% QoQ
 $-10K $24,918
+2.7% YoY
 $21,135
+4.9% YoY
 $19,920
+1.6% YoY
 Bottom 8.3% in tier
CD Concentration 5.3%
-15.4% YoY-3.5% QoQ
 -19.0% 24.3% 24.0% 19.8% 50%
Indirect Auto % 43.0%
-1.4% YoY-2.7% QoQ
 +29.2% 13.8% 14.3% 7.7% 50%

Signature Analysis

Strengths (1)

Emerging Performer

growth
#143 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.77%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Member Growth (YoY): 2.05%
(Tier: 0.72%, National: 10.19%)
better than tier avg
157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally
→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Shrinking Wallet Share

decline
#96 of 238 • 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): -3.27%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#285 of 504 • 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): 1.07%
(Tier: 4.68%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 43.00%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 2.05%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

Margin Compression

decline
#105 of 133 • 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: 0.77%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 1.60%
(Tier: 0.67%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.84% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally
→ No prior data (133 CUs now) | 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)

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

24
First Mortgage Concentration (%)
balance_sheet
Value: 0.73%
Peer Median: 29.47%
#24 of 1070 Top 2.1% in 100M-500M tier
52
Share Certificate Concentration (%)
balance_sheet
Value: 5.29%
Peer Median: 23.10%
#52 of 1070 Top 4.8% in 100M-500M tier
82
Total Delinquency Rate (60+ days)
risk
Value: 0.11%
Peer Median: 0.61%
#82 of 1070 Top 7.6% in 100M-500M tier
112
Net Interest Margin (NIM)
profitability
Value: 4.46%
Peer Median: 3.62%
#112 of 1070 Top 10.4% in 100M-500M tier

Top Weaknesses (12 metrics)

1044
Total Deposits
balance_sheet
Value: $89.25M
Peer Median: $171.29M
#1044 of 1070 Bottom 2.5% in 100M-500M tier
1036
Total Assets
balance_sheet
Value: $103.20M
Peer Median: $196.57M
#1036 of 1070 Bottom 3.3% in 100M-500M tier
1011
Total Loans
balance_sheet
Value: $48.27M
Peer Median: $121.41M
#1011 of 1070 Bottom 5.6% in 100M-500M tier
1001
Indirect Auto Concentration (%)
balance_sheet
Value: 43.00%
Peer Median: 6.61%
#1001 of 1070 Bottom 6.5% in 100M-500M tier
996
Loan-to-Member Ratio (LMR)
engagement
Value: $5,205
Peer Median: $9,356
#996 of 1070 Bottom 7.0% in 100M-500M tier
989
AMR Growth Rate
growth
Value: -3.27%
Peer Median: 3.46%
#989 of 1070 Bottom 7.7% in 100M-500M tier
985
Net Charge-Off Rate
risk
Value: 1.16%
Peer Median: 0.35%
#985 of 1070 Bottom 8.0% in 100M-500M tier
981
Average Member Relationship (AMR)
engagement
Value: $14,830
Peer Median: $22,931
#981 of 1070 Bottom 8.4% in 100M-500M tier
907
Loan Growth Rate
growth
Value: -3.45%
Peer Median: 2.93%
#907 of 1070 Bottom 15.3% in 100M-500M tier
895
Loan-to-Share Ratio
balance_sheet
Value: 54.08%
Peer Median: 71.88%
#895 of 1070 Bottom 16.4% in 100M-500M tier
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