BlastPoint's Credit Union Scorecard
ESTACADO
Charter #8299 · NM
ESTACADO has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 1.02% above tier average
- + Net Interest Margin 0.99% above tier average
- + First Mortgage Concentration (%): Top 2.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,844
+4.2% YoY+1.6% QoQ
|
-6.3K |
15,145
-2.5% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$119.3M
+6.9% YoY+4.9% QoQ
|
$-112.4M |
$231.7M
+0.8% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.1% in tier |
| Loans |
$72.0M
+9.1% YoY+2.3% QoQ
|
$-72.1M |
$144.1M
+0.2% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$102.1M
+5.7% YoY+5.2% QoQ
|
$-99.1M |
$201.1M
+0.4% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.8%
+3.6% YoY+2.6% QoQ
|
+1.0% |
0.7%
+5.1% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Top 6.4% in tier |
| NIM |
4.6%
+0.8% YoY-2.1% QoQ
|
+1.0% |
3.6%
+4.6% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
Top 7.5% in tier |
| Efficiency Ratio |
66.2%
-3.9% YoY+3.6% QoQ
|
-11.8% |
78.0%
-1.7% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
0.4%
-44.6% YoY-39.9% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
70.6%
+3.2% YoY-2.7% QoQ
|
+0.1% |
70.4%
-0.4% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$19,683
+2.8% YoY+2.4% QoQ
|
$-5K |
$24,918
+2.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
22.7%
+3.5% YoY-1.8% QoQ
|
-1.6% | 24.3% | 24.0% | 19.8% | 50% |
| Indirect Auto % |
24.7%
+7.5% YoY+1.1% QoQ
|
+10.9% | 13.8% | 14.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
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 (1)
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)