BlastPoint's Credit Union Scorecard
U.S. EAGLE
Charter #808 · NM
U.S. EAGLE has 2 strengths but faces 13 concerns
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How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
- + First Mortgage Concentration (%): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.3% in tier
- - Shrinking Wallet Share: Bottom 9.2% in tier
- - Indirect Auto Dependency: Bottom 22.9% in tier
- - Efficiency Drag: Bottom 24.9% in tier
- - Deposit Outflow: Bottom 91.3% in tier
- - ROA 2.52% below tier average
- - Efficiency ratio 8.38% above tier (higher cost structure)
- - Delinquency rate 6.44% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.3% in tier
- - AMR Growth Rate: Bottom 7.6% in tier
- - Net Charge-Off Rate: Bottom 7.6% in tier
- - Asset Growth Rate: Bottom 8.9% in tier
- - Deposit Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
97,106
+2.1% YoY+0.8% QoQ
|
-1.6K |
98,678
-1.9% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$1.5B
-3.0% YoY-1.2% QoQ
|
$-261.0M |
$1.7B
+0.5% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$1.1B
-2.9% YoY+0.3% QoQ
|
$-181.3M |
$1.2B
+0.5% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$1.3B
-1.9% YoY-1.5% QoQ
|
$-137.2M |
$1.5B
+1.3% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
-1.8%
-718.1% YoY-34.3% QoQ
|
-2.5% |
0.7%
+13.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.0% in tier |
| NIM |
3.6%
+8.9% YoY+4.0% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
82.4%
-0.7% YoY+4.6% QoQ
|
+8.4% |
74.0%
-10.9% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
7.3%
+41.0% YoY+9.4% QoQ
|
+6.4 |
0.8%
+6.1% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
Top 0.3% in tier |
| Loan To Share |
79.9%
-1.0% YoY+1.9% QoQ
|
-5.3% |
85.2%
-0.8% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$24,395
-4.3% YoY-1.5% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
23.4%
-11.0% YoY-2.1% QoQ
|
-5.6% |
29.0%
+0.7% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
24% |
| Indirect Auto % |
36.9%
-7.1% YoY-0.7% QoQ
|
+18.1% |
18.8%
-3.0% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
Top 14.7% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)