BlastPoint's Credit Union Scorecard
ESTACADO
Charter #8299 · NM
ESTACADO has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 16.0% in tier
- + Emerging Performer: Top 16.6% in tier
- + ROA 0.95% above tier average
- + Net Interest Margin 1.11% above tier average
- + First Mortgage Concentration (%): Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 44.6% in tier
- - Indirect Auto Dependency: Bottom 64.4% in tier
- - Credit Quality Pressure: Bottom 68.8% in tier
- - Total Deposits: Bottom 8.4% in tier
- - Total Assets: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,709
+3.4% YoY+0.8% QoQ
|
-6.7K |
15,437
-2.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$113.7M
+6.1% YoY-0.8% QoQ
|
$-118.1M |
$231.9M
+1.3% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.9% in tier |
| Loans |
$70.4M
+9.1% YoY+3.9% QoQ
|
$-77.0M |
$147.3M
-0.1% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$97.0M
+4.8% YoY-1.5% QoQ
|
$-103.8M |
$200.8M
+0.8% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.3% in tier |
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| ROA |
1.7%
+10.4% YoY+1.0% QoQ
|
+0.9% |
0.8%
+18.2% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
Top 6.0% in tier |
| NIM |
4.7%
+8.6% YoY+0.8% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
63.9%
-2.4% YoY-1.6% QoQ
|
-13.1% |
77.0%
-3.1% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate |
0.6%
+23.2% YoY+34.4% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
72.5%
+4.2% YoY+5.5% QoQ
|
+0.3% |
72.2%
-1.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$19,226
+3.0% YoY-0.0% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
23.1%
+3.9% YoY-0.2% QoQ
|
-1.3% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
24.4%
+3.1% YoY+6.6% QoQ
|
+10.6% | 13.8% | 14.3% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)