BlastPoint's Credit Union Scorecard
OTERO
Charter #8475 · NM
OTERO has 6 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
- + Profitability Leader: Top 31.6% in tier
- + Credit Quality Leader: Top 88.8% in tier
- + ROA 0.97% above tier average
- + Net Interest Margin 0.24% above tier average
- + Efficiency Ratio: Top 3.6% in tier
- + Net Worth Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.8% in tier
- - Stagnation Risk: Bottom 15.4% in tier
- - Membership Headwinds: Bottom 28.7% in tier
- - Credit Quality Pressure: Bottom 28.9% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Total Loans: Bottom 4.7% in tier
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
- - Total Assets: Bottom 5.9% in tier
- - Loan-to-Share Ratio: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,951
-1.0% YoY+0.0% QoQ
|
-5.8K |
39,752
-2.7% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$508.7M
+5.7% YoY+0.7% QoQ
|
$-113.7M |
$622.4M
+0.3% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.3% in tier |
| Loans |
$247.9M
-0.1% YoY+1.4% QoQ
|
$-188.0M |
$435.9M
-0.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.1% in tier |
| Deposits |
$429.3M
+4.5% YoY+0.1% QoQ
|
$-108.8M |
$538.0M
+1.3% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.0% in tier |
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| ROA |
1.6%
+40.8% YoY+3.3% QoQ
|
+1.0% |
0.7%
+33.9% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Top 5.3% in tier |
| NIM |
3.7%
+17.5% YoY+1.5% QoQ
|
+0.2% |
3.4%
+8.6% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
61.1%
-8.4% YoY-2.2% QoQ
|
-17.0% |
78.1%
-3.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate |
0.4%
+2.1% YoY+26.6% QoQ
|
-0.4 |
0.8%
-4.9% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
57.8%
-4.4% YoY+1.2% QoQ
|
-23.3% |
81.0%
-1.8% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.7% in tier |
| AMR |
$19,946
+3.7% YoY+0.6% QoQ
|
$-7K |
$26,482
+2.6% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
21.3%
+1.5% YoY+3.1% QoQ
|
-3.1% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
39% |
| Indirect Auto % |
46.5%
-2.4% YoY-0.6% QoQ
|
+32.6% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
Top 4.8% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
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)