BlastPoint's Credit Union Scorecard
U.S. EAGLE
Charter #808 · NM
U.S. EAGLE has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + First Mortgage Concentration (%): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.1% in tier
- - Shrinking Wallet Share: Bottom 90.0% in tier
- - Indirect Auto Dependency: Bottom 90.5% in tier
- - ROA 1.62% below tier average
- - Efficiency ratio 20.77% above tier (higher cost structure)
- - Delinquency rate 5.87% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.3% in tier
- - Net Charge-Off Rate: Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
98,947
+3.1% YoY+1.3% QoQ
|
+2.9K |
96,048
-2.7% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$1.5B
-1.1% YoY+2.3% QoQ
|
$-235.0M |
$1.7B
+0.4% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$1.1B
-0.1% YoY-0.7% QoQ
|
$-153.7M |
$1.2B
+0.2% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
45% |
| Deposits |
$1.3B
+0.5% YoY+2.4% QoQ
|
$-116.4M |
$1.5B
+0.5% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
-0.9%
+42.8% YoY-56.5% QoQ
|
-1.6% |
0.7%
+27.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.1% in tier |
| NIM |
3.7%
+11.4% YoY+0.7% QoQ
|
+0.3% |
3.4%
+6.2% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
95.4%
+8.8% YoY+2.8% QoQ
|
+20.8% |
74.6%
-3.0% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
6.6%
-7.2% YoY-6.4% QoQ
|
+5.9 |
0.8%
+6.9% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.3% in tier |
| Loan To Share |
78.6%
-0.6% YoY-3.0% QoQ
|
-4.6% |
83.2%
-0.4% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$24,348
-2.8% YoY-0.3% QoQ
|
$-5K |
$29,652
+2.3% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
22.3%
-5.4% YoY-3.6% QoQ
|
-6.5% | 28.8% | 24.0% | 19.8% | 22% |
| Indirect Auto % |
37.1%
-1.6% YoY+0.5% QoQ
|
+19.0% | 18.1% | 14.3% | 7.7% | Bottom 13.3% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
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)