BlastPoint's Credit Union Scorecard
WHITE SANDS
Charter #7960 · NM
WHITE SANDS has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.09% above tier average
- + Strong member growth: 12.4% YoY
- + Member Growth Rate: Top 2.4% in tier
- + Total Delinquency Rate (60+ days): Top 6.2% in tier
- + Total Deposits: Top 8.6% in tier
- + Total Assets: Top 8.9% in tier
- + Total Members: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - AMR Growth Rate: Bottom 1.5% 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 +2.8% year over year ($357M in shares and deposits).
- Membership: 27,299 members, +12.4% vs a year ago.
- Delinquency rate 0.11%.
- Return on assets 1.00%.
- Efficiency ratio 73.70% vs a 76.73% peer average.
- Loan-to-share ratio 58.19% 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 |
27,299
+12.4% YoY+25.0% QoQ
|
+12.1K |
15,168
-2.6% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
Top 9.0% in tier |
| Assets |
$413.8M
+3.4% YoY-0.2% QoQ
|
+$181.8M |
$232.0M
+0.7% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
Top 9.0% in tier |
| Loans |
$207.8M
+0.4% YoY-0.6% QoQ
|
+$61.6M |
$146.3M
+0.2% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$357.1M
+2.8% YoY-0.5% QoQ
|
+$156.4M |
$200.7M
+0.2% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Top 8.7% in tier |
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| ROA |
1.0%
-18.7% YoY+3.0% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
3.8%
-4.5% YoY+1.3% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
73.7%
+4.8% YoY-0.5% QoQ
|
-3.0% |
76.7%
-0.8% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
37% |
| Delinquency Rate |
0.1%
+41.4% YoY+30.7% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Top 6.2% in tier |
| Loan To Share |
58.2%
-2.3% YoY-0.1% QoQ
|
-13.4% |
71.5%
-0.3% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$20,696
-9.4% YoY-20.5% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
13.3%
+17.2% YoY+6.6% QoQ
|
-11.3% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % |
33.4%
-2.7% YoY-0.7% QoQ
|
+19.8% | 13.6% | 14.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)