BlastPoint's Credit Union Scorecard

WHITE SANDS

Charter #7960 · NM

100M-500M

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

WHITE SANDS has 7 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.24% above tier average
+ Net Interest Margin 0.09% above tier average
+ AMR Growth Rate: Top 5.0% in tier
+ Total Delinquency Rate (60+ days): Top 5.3% in tier
+ Total Assets: Top 8.9% in tier
+ Total Deposits: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Member decline: -10.2% YoY
- Member Growth Rate: Bottom 3.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	21,840 -10.2% YoY-6.7% QoQ	+6.7K	15,145 -2.5% YoY	30,914 +5.7% YoY	33,913 +5.7% YoY	82%
Assets	$414.6M +2.9% YoY+2.6% QoQ	+$182.9M	$231.7M +0.8% YoY	$559.7M +10.6% YoY	$578.3M +9.0% YoY	Top 9.0% in tier
Loans	$209.2M +0.3% YoY-0.3% QoQ	+$65.0M	$144.1M +0.2% YoY	$378.7M +12.3% YoY	$402.4M +8.7% YoY	79%
Deposits	$359.1M +2.1% YoY+2.6% QoQ	+$157.9M	$201.1M +0.4% YoY	$478.4M +9.0% YoY	$494.3M +9.1% YoY	Top 9.0% 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	1.0% -28.6% YoY-12.1% QoQ	+0.2%	0.7% +5.1% YoY	0.8% +125.8% YoY	0.4% -39.2% YoY	68%
NIM	3.7% -6.1% YoY-5.9% QoQ	+0.1%	3.6% +4.6% YoY	3.9% +3.5% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	74.1% +11.7% YoY+1.8% QoQ	-3.9%	78.0% -1.7% YoY	76.9% -4.0% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.1% +73.3% QoQ	-0.7	0.8% +7.1% YoY	0.9% +18.5% YoY	1.2% +3.4% YoY	Top 5.3% in tier
Loan To Share	58.3% -1.8% YoY-2.8% QoQ	-12.2%	70.4% -0.4% YoY	69.3% +1.3% YoY	65.6% -1.4% YoY	24%
AMR	$26,018 +13.0% YoY+8.8% QoQ	+$1K	$24,918 +2.7% YoY	$21,135 +4.9% YoY	$19,920 +1.6% YoY	67%
CD Concentration	12.5% +14.4% YoY-0.7% QoQ	-11.8%	24.3%	24.0%	19.8%	50%
Indirect Auto %	33.6% -2.1% YoY-1.0% QoQ	+19.8%	13.8%	14.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#70 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.98%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (6)

Membership Headwinds

decline

#35 of 570 • 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): -10.20%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Margin Compression

decline

#37 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: 0.97%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.36%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.39% 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

Indirect Auto Dependency

risk

#147 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): 2.91%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 33.63%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -10.20%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Stagnation Risk

risk

#202 of 570 • 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): -10.20%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.31%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.09%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Cost Spiral

risk

#45 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.78% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 58.02%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#597 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 1070 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 12.98%

Peer Median: 3.46%

#55 of 1070 Top 5.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.61%

#58 of 1070 Top 5.3% in 100M-500M tier

Total Assets

balance_sheet

Value: $414.58M

Peer Median: $196.57M

#96 of 1070 Top 8.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $359.06M

Peer Median: $171.29M

#96 of 1070 Top 8.9% in 100M-500M tier

168

Share Certificate Concentration (%)

balance_sheet

Value: 12.47%

Peer Median: 23.10%

#168 of 1070 Top 15.6% in 100M-500M tier

187

Total Members

engagement

Value: 21,840

Peer Median: 13,200

#187 of 1070 Top 17.4% in 100M-500M tier

226

Total Loans

balance_sheet

Value: $209.17M

Peer Median: $121.41M

#226 of 1070 Top 21.0% in 100M-500M tier

Top Weaknesses (4 metrics)

1038

Member Growth Rate

growth

Value: -10.20%

Peer Median: -0.06%

#1038 of 1070 Bottom 3.1% in 100M-500M tier

937

Indirect Auto Concentration (%)

balance_sheet

Value: 33.63%

Peer Median: 6.61%

#937 of 1070 Bottom 12.5% in 100M-500M tier

909

Members Per Employee (MPE)

engagement

Value: 237.391

Peer Median: 309.176

#909 of 1070 Bottom 15.1% in 100M-500M tier

818

Loan-to-Share Ratio

balance_sheet

Value: 58.26%

Peer Median: 71.88%

#818 of 1070 Bottom 23.6% in 100M-500M tier