BlastPoint's Credit Union Scorecard

ESTACADO

Charter #8299 · NM

100M-500M

1069 CUs in 100M-500M nationally 6 in NM

ESTACADO has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% 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 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% 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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	Top 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 (1)

Emerging Performer

growth

#31 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.71%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.44%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#204 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.15%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk

#326 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.11%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 24.42%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.44%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk

#485 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.72%

Peer Median: -

#20 of 1069 Top 1.8% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.72%

Peer Median: -

#62 of 1069 Top 5.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.71%

Peer Median: -

#64 of 1069 Top 5.9% in 100M-500M tier

137

Efficiency Ratio

profitability

Value: 63.91%

Peer Median: -

#137 of 1069 Top 12.7% in 100M-500M tier

181

Member Growth Rate

growth

Value: 3.44%

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

207

Loan Growth Rate

growth

Value: 9.15%

Peer Median: -

#207 of 1069 Top 19.3% in 100M-500M tier

244

Net Worth Ratio

risk

Value: 13.89%

Peer Median: -

#244 of 1069 Top 22.7% in 100M-500M tier

Top Weaknesses (5 metrics)

980

Total Deposits

balance_sheet

Value: $97.04M

Peer Median: -

#980 of 1069 Bottom 8.4% in 100M-500M tier

974

Total Assets

balance_sheet

Value: $113.71M

Peer Median: -

#974 of 1069 Bottom 9.0% in 100M-500M tier

901

Total Loans

balance_sheet

Value: $70.39M

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier

839

Indirect Auto Concentration (%)

balance_sheet

Value: 24.42%

Peer Median: -

#839 of 1069 Bottom 21.6% in 100M-500M tier

836

Total Members

engagement

Value: 8,709

Peer Median: -

#836 of 1069 Bottom 21.9% in 100M-500M tier