BlastPoint's Credit Union Scorecard
U.S. EAGLE
Charter #808 · NM
U.S. EAGLE has 2 strengths but faces 10 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.40% above tier average
- + First Mortgage Concentration (%): Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 31.9% in tier
- - Efficiency Drag: Bottom 40.5% in tier
- - Shrinking Wallet Share: Bottom 51.3% in tier
- - Indirect Auto Dependency: Bottom 72.8% in tier
- - ROA 2.76% below tier average
- - Efficiency ratio 18.78% above tier (higher cost structure)
- - Delinquency rate 6.18% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.3% in tier
- - Net Worth Ratio: Bottom 6.0% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
97,686
+2.6% YoY+0.6% QoQ
|
+254 |
97,431
-2.4% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$1.5B
-1.7% YoY-0.5% QoQ
|
$-271.7M |
$1.7B
+0.9% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$1.1B
-0.6% YoY+1.5% QoQ
|
$-166.8M |
$1.2B
+0.5% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$1.3B
-0.4% YoY+0.0% QoQ
|
$-141.8M |
$1.5B
+0.9% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
-2.1%
+17218.1% YoY+14.6% QoQ
|
-2.8% |
0.7%
+20.9% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.0% in tier |
| NIM |
3.7%
+8.4% YoY+2.5% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
92.8%
+10.8% YoY+12.7% QoQ
|
+18.8% |
74.1%
-9.5% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Top 2.0% in tier |
| Delinquency Rate |
7.1%
+3.3% YoY-2.5% QoQ
|
+6.2 |
0.9%
+6.2% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
Top 0.3% in tier |
| Loan To Share |
81.0%
-0.2% YoY+1.5% QoQ
|
-3.8% |
84.8%
-0.8% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$24,417
-2.9% YoY+0.1% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
23.2%
-6.6% YoY-0.8% QoQ
|
-5.9% | 29.0% | 24.1% | 19.8% | 25% |
| Indirect Auto % |
36.9%
-4.7% YoY+0.2% QoQ
|
+18.6% | 18.3% | 14.3% | 7.8% | Top 13.8% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)