BlastPoint's Credit Union Scorecard
ESTACADO
Charter #8299 · NM
ESTACADO has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 6.5% in tier
- + Emerging Performer: Top 16.8% in tier
- + Profitability Leader: Top 25.7% in tier
- + ROA 0.90% above tier average
- + Net Interest Margin 1.10% above tier average
- + First Mortgage Concentration (%): Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 13.6% in tier
- - Total Deposits: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,644
+3.2% YoY+0.5% QoQ
|
-7.0K |
15,628
-3.4% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$114.6M
+9.7% YoY+1.1% QoQ
|
$-116.7M |
$231.3M
-0.0% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.4% in tier |
| Loans |
$67.7M
+7.1% YoY+0.4% QoQ
|
$-80.1M |
$147.8M
-1.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.9% in tier |
| Deposits |
$98.5M
+8.8% YoY+0.6% QoQ
|
$-101.8M |
$200.3M
-0.0% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.4% 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 |
1.7%
+16.3% YoY-3.1% QoQ
|
+0.9% |
0.8%
+15.5% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Top 7.1% in tier |
| NIM |
4.7%
+8.0% YoY+2.4% QoQ
|
+1.1% |
3.6%
+6.9% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
65.0%
-1.6% YoY-1.1% QoQ
|
-12.3% |
77.3%
-3.0% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
15% |
| Delinquency Rate |
0.4%
-10.9% YoY-23.4% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
68.8%
-1.6% YoY-0.2% QoQ
|
-3.9% |
72.7%
-1.5% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$19,233
+4.8% YoY+0.0% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
23.2%
+13.6% YoY+5.1% QoQ
|
-1.2% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
22.9%
-5.0% YoY-1.7% QoQ
|
+8.9% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)