BlastPoint's Credit Union Scorecard
OTERO
Charter #8475 · NM
OTERO has 4 strengths but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.93% above tier average
- + Net Interest Margin 0.20% above tier average
- + Efficiency Ratio: Top 2.4% in tier
- + Net Worth Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.3% in tier
- - Stagnation Risk: Bottom 91.3% in tier
- - Membership Headwinds: Bottom 93.7% in tier
- - Total Loans: Bottom 5.5% in tier
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
- - Total Deposits: Bottom 6.7% in tier
- - Loan-to-Share Ratio: Bottom 8.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
- - Total Assets: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,773
-0.8% YoY-0.5% QoQ
|
-4.8K |
38,575
-4.8% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$519.7M
+6.8% YoY+2.2% QoQ
|
$-102.0M |
$621.7M
+0.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.5% in tier |
| Loans |
$249.4M
+1.3% YoY+0.6% QoQ
|
$-180.4M |
$429.8M
-1.8% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.8% in tier |
| Deposits |
$438.4M
+5.4% YoY+2.1% QoQ
|
$-100.3M |
$538.7M
+0.6% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.1% in tier |
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| ROA |
1.6%
+34.3% YoY-2.5% QoQ
|
+0.9% |
0.7%
+42.9% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
Top 4.2% in tier |
| NIM |
3.6%
+14.0% YoY-0.6% QoQ
|
+0.2% |
3.4%
+8.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
60.0%
-7.5% YoY-1.9% QoQ
|
-17.6% |
77.5%
-4.1% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
0.4%
-12.2% YoY+17.4% QoQ
|
-0.4 |
0.8%
-1.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
56.9%
-3.9% YoY-1.5% QoQ
|
-23.0% |
79.8%
-2.3% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.9% in tier |
| AMR |
$20,366
+4.7% YoY+2.1% QoQ
|
$-6K |
$26,849
+2.7% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
21.9%
+6.2% YoY+2.7% QoQ
|
-2.6% | 24.4% | 24.1% | 19.8% | 41% |
| Indirect Auto % |
45.9%
-3.1% YoY-1.3% QoQ
|
+32.1% | 13.8% | 14.3% | 7.8% | Top 4.5% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)