BlastPoint's Credit Union Scorecard

U.S. EAGLE

Charter #808 · NM

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 6 in NM

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U.S. EAGLE has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 13.3% in tier
+ ROA 0.54% above tier average
+ Net Interest Margin 0.31% above tier average
+ First Mortgage Concentration (%): Top 5.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 0.8% in tier
- Credit Quality Pressure: Bottom 15.9% in tier
- Credit Risk Growth: Bottom 80.9% in tier
- Shrinking Wallet Share: Bottom 89.5% in tier
- Indirect Auto Dependency: Bottom 91.9% in tier
- Efficiency ratio 30.24% above tier (higher cost structure)
- Delinquency rate 6.05% above tier average
- Total Delinquency Rate (60+ days): Bottom 0.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in New Mexico.
Shares and deposits -0.2% year over year ($1.34B in shares and deposits).
Membership: 98,817 members, +2.6% vs a year ago.
Delinquency rate 6.91%.
Return on assets 1.36%.
Efficiency ratio 103.26% vs a 73.02% peer average.
Loan-to-share ratio 78.97% vs a 84.71% 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	98,817 +2.6% YoY-0.1% QoQ	+2.0K	96,861 -1.9% YoY	31,280 +3.2% YoY	34,678 +6.6% YoY	61%
Assets	$1.5B -1.2% YoY-1.8% QoQ	$-265.7M	$1.7B +0.4% YoY	$563.2M +7.3% YoY	$593.1M +10.2% YoY	42%
Loans	$1.1B +0.6% YoY-0.5% QoQ	$-179.6M	$1.2B +0.7% YoY	$387.4M +10.2% YoY	$418.6M +10.1% YoY	43%
Deposits	$1.3B -0.2% YoY-1.0% QoQ	$-127.9M	$1.5B +0.5% YoY	$479.3M +6.9% YoY	$504.8M +10.3% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.4% -149.4% YoY-250.9% QoQ	+0.5%	0.8% +27.6% YoY	1.0% +20.6% YoY	1.2% +121.4% YoY	Top 12.3% in tier
NIM	3.7% +8.4% YoY+1.0% QoQ	+0.3%	3.4% +6.6% YoY	3.9% +4.7% YoY	3.8% +2.3% YoY	71%
Efficiency Ratio	103.3% +31.2% YoY+8.2% QoQ	+30.2%	73.0% -2.7% YoY	77.7% +3.4% YoY	83.0% -5.3% YoY	Bottom 0.3% in tier
Delinquency Rate	6.9% +4.1% YoY+4.2% QoQ	+6.0	0.9% +7.3% YoY	1.0% +10.0% YoY	1.3% +2.6% YoY	Bottom 0.3% in tier
Loan To Share	79.0% +0.8% YoY+0.5% QoQ	-5.7%	84.7% +0.1% YoY	70.5% +0.9% YoY	66.4% -1.4% YoY	27%
AMR	$24,188 -2.4% YoY-0.7% QoQ	$-5K	$29,575 +1.5% YoY	$21,119 +3.0% YoY	$20,028 -0.9% YoY	26%
CD Concentration	22.5% -5.7% YoY+0.8% QoQ	-6.6%	29.1%	24.3%	20.0%	24%
Indirect Auto %	36.4% -2.0% YoY-1.9% QoQ	+18.3%	18.1%	14.3%	7.7%	Bottom 14.1% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#27 of 82 • Top 13.3% 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: 1.36%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.60%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#59 of 215 • Bottom 15.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.27% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Efficiency Drag

risk

#28 of 71 • Bottom 0.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 103.26%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 4.12% points

(Tier: 0.18% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 2.60%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#40 of 69 • Bottom 89.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.36%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

Credit Risk Growth

risk

#118 of 170 • Bottom 80.9% in tier

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

Why This Signature

Loan Growth (YoY): 0.60%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.27% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#136 of 193 • Bottom 91.9% in tier

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

Why This Signature

Asset Growth (YoY): -1.21%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 36.39%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.60%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY

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 300 peers in tier

Top Strengths (2 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 12.69%

Peer Median: 33.59%

#16 of 300 Top 5.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.36%

Peer Median: 0.77%

#37 of 300 Top 12.0% in 1B-3B tier

Top Weaknesses (10 metrics)

300

Efficiency Ratio

profitability

Value: 103.26%

Peer Median: 73.62%

#300 of 300 Bottom 0.3% in 1B-3B tier

300

Total Delinquency Rate (60+ days)

risk

Value: 6.91%

Peer Median: 0.70%

#300 of 300 Bottom 0.3% in 1B-3B tier

296

Net Worth Ratio

risk

Value: 7.80%

Peer Median: 10.91%

#296 of 300 Bottom 1.7% in 1B-3B tier

272

Asset Growth Rate

growth

Value: -1.21%

Peer Median: 5.21%

#272 of 300 Bottom 9.7% in 1B-3B tier

271

Net Charge-Off Rate

risk

Value: 1.06%

Peer Median: 0.52%

#271 of 300 Bottom 10.0% in 1B-3B tier

268

AMR Growth Rate

growth

Value: -2.36%

Peer Median: 3.19%

#268 of 300 Bottom 11.0% in 1B-3B tier

262

Deposit Growth Rate

growth

Value: -0.15%

Peer Median: 4.79%

#262 of 300 Bottom 13.0% in 1B-3B tier

260

Indirect Auto Concentration (%)

balance_sheet

Value: 36.39%

Peer Median: 14.26%

#260 of 300 Bottom 13.7% in 1B-3B tier

238

Loan Growth Rate

growth

Value: 0.60%

Peer Median: 5.71%

#238 of 300 Bottom 21.0% in 1B-3B tier

234

Loan-to-Member Ratio (LMR)

engagement

Value: $10,673

Peer Median: $12,809

#234 of 300 Bottom 22.3% in 1B-3B tier