BlastPoint's Credit Union Scorecard
WHITE SANDS
Charter #7960 · NM
WHITE SANDS has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 80.9% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.35% above tier average
- + Total Delinquency Rate (60+ days): Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 31.7% in tier
- - Indirect Auto Dependency: Bottom 35.0% in tier
- - Stagnation Risk: Bottom 58.4% in tier
- - Margin Compression: Bottom 68.0% in tier
- - Credit Quality Pressure: Bottom 89.2% in tier
- - Credit Risk Growth: Bottom 99.6% in tier
- - Member decline: -4.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,407
-4.2% YoY-4.1% QoQ
|
+8.0K |
15,437
-2.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$404.0M
+3.0% YoY+0.3% QoQ
|
+$172.2M |
$231.9M
+1.3% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
Top 10.7% in tier |
| Loans |
$209.7M
+0.6% YoY+0.1% QoQ
|
+$62.4M |
$147.3M
-0.1% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$350.0M
+2.2% YoY+0.3% QoQ
|
+$149.2M |
$200.8M
+0.8% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Top 10.2% in tier |
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| ROA |
1.1%
-9.2% YoY-7.8% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
4.0%
+8.7% YoY-0.3% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
72.8%
+5.8% YoY+2.6% QoQ
|
-4.3% |
77.0%
-3.1% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.1%
+247.3% YoY-2.8% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.2% in tier |
| Loan To Share |
59.9%
-1.5% YoY-0.2% QoQ
|
-12.3% |
72.2%
-1.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$23,915
+6.1% YoY+4.6% QoQ
|
$-761 |
$24,676
+3.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
12.6%
+13.4% YoY+4.5% QoQ
|
-11.9% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
34.0%
-0.7% YoY+0.6% QoQ
|
+20.2% | 13.8% | 14.3% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)