BlastPoint's Credit Union Scorecard

WHITE SANDS

Charter #7960 · NM

1077 CUs in 100M-500M nationally 5 in NM

WHITE SANDS has 7 strengths but faces 7 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 2.3% in tier
+ Credit Quality Leader: Top 7.1% in tier
+ Profitability Leader: Top 82.0% in tier
+ ROA 0.41% above tier average
+ Net Interest Margin 0.39% above tier average
+ AMR Growth Rate: Top 0.8% in tier
+ Total Delinquency Rate (60+ days): Top 2.1% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 0.2% in tier
- Stagnation Risk: Bottom 0.5% in tier
- Indirect Auto Dependency: Bottom 9.6% in tier
- Credit Quality Pressure: Bottom 25.6% in tier
- Credit Risk Growth: Bottom 28.8% in tier
- Member decline: -20.7% YoY
- Member Growth Rate: Bottom 0.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	24,415 -20.7% YoY+0.6% QoQ	+8.8K	15,628 -3.4% YoY	30,510 +9.1% YoY	33,089 +6.1% YoY	Top 14.2% in tier
Assets	$402.7M +1.9% YoY+0.7% QoQ	+$171.4M	$231.3M -0.0% YoY	$545.3M +12.6% YoY	$547.7M +7.8% YoY	Top 10.4% in tier
Loans	$209.5M +1.5% YoY+1.2% QoQ	+$61.7M	$147.8M -1.4% YoY	$367.9M +14.8% YoY	$388.7M +8.6% YoY	77%
Deposits	$349.0M +0.8% YoY+0.4% QoQ	+$148.7M	$200.3M -0.0% YoY	$461.5M +14.0% YoY	$464.6M +9.3% YoY	Top 10.4% 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	1.2% -0.2% YoY-2.7% QoQ	+0.4%	0.8% +15.5% YoY	0.9% +49.5% YoY	0.7% +273.4% YoY	78%
NIM	4.0% +11.6% YoY+0.4% QoQ	+0.4%	3.6% +6.9% YoY	3.9% +6.9% YoY	3.7% +5.0% YoY	71%
Efficiency Ratio	70.9% +3.4% YoY+0.9% QoQ	-6.3%	77.3% -3.0% YoY	73.5% -8.8% YoY	79.1% -3.3% YoY	28%
Delinquency Rate	0.1% +215.5% YoY-35.8% QoQ	-0.8	0.9% +7.6% YoY	1.1% +5.6% YoY	1.2% -0.9% YoY	Bottom 2.1% in tier
Loan To Share	60.0% +0.7% YoY+0.8% QoQ	-12.7%	72.7% -1.5% YoY	71.6% -0.2% YoY	68.0% -1.7% YoY	22%
AMR	$22,874 +27.4% YoY+0.1% QoQ	$-1K	$24,363 +2.9% YoY	$20,672 +6.3% YoY	$19,418 +1.3% YoY	52%
CD Concentration	12.0% +10.0% YoY+5.9% QoQ	-12.4%	24.4% +4.2% YoY	24.3% +4.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	33.8% +1.1% YoY-1.6% QoQ	+19.8%	14.0% -5.7% YoY	14.5% +3.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#12 of 481 • Top 2.3% in tier

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

Why This Signature

AMR Growth (YoY): 27.43%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank improving

Credit Quality Leader

growth

#25 of 340 • Top 7.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.05%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Profitability Leader

growth

#279 of 340 • Top 82.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.20%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.00% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (5)

Membership Headwinds

decline

#4 of 550 • Bottom 0.2% in tier

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

Why This Signature

Member Growth (YoY): -20.70%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#9 of 550 • Bottom 0.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -20.70%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.49%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.05%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#155 of 525 • Bottom 9.6% in tier

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

Why This Signature

Asset Growth (YoY): 1.94%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 33.78%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -20.70%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#633 of 736 • Bottom 25.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#432 of 446 • Bottom 28.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.49%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 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 1077 peers in tier

Top Strengths (8 metrics)

AMR Growth Rate

growth

Value: 27.43%

Peer Avg: -

#10 of 1077 Top 0.8% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Avg: -

#24 of 1077 Top 2.1% in 100M-500M tier

112

Total Assets

balance_sheet

Value: $402.75M

Peer Avg: -

#112 of 1077 Top 10.3% in 100M-500M tier

112

Total Deposits

balance_sheet

Value: $348.98M

Peer Avg: -

#112 of 1077 Top 10.3% in 100M-500M tier

153

Total Members

engagement

Value: 24,415

Peer Avg: -

#153 of 1077 Top 14.1% in 100M-500M tier

160

Share Certificate Concentration (%)

balance_sheet

Value: 12.01%

Peer Avg: -

#160 of 1077 Top 14.8% in 100M-500M tier

237

Return on Assets (ROA)

profitability

Value: 1.20%

Peer Avg: -

#237 of 1077 Top 21.9% in 100M-500M tier

244

Total Loans

balance_sheet

Value: $209.48M

Peer Avg: -

#244 of 1077 Top 22.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1071

Member Growth Rate

growth

Value: -20.70%

Peer Avg: -

#1071 of 1077 Bottom 0.6% in 100M-500M tier

937

Indirect Auto Concentration (%)

balance_sheet

Value: 33.78%

Peer Avg: -

#937 of 1077 Bottom 13.1% in 100M-500M tier

850

Members Per Employee (MPE)

engagement

Value: 257.000

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier

845

Loan-to-Share Ratio

balance_sheet

Value: 60.03%

Peer Avg: -

#845 of 1077 Bottom 21.6% in 100M-500M tier

812

Deposit Growth Rate

growth

Value: 0.80%

Peer Avg: -

#812 of 1077 Bottom 24.7% in 100M-500M tier