BlastPoint's Credit Union Scorecard
OTERO
Charter #8475 · NM
OTERO has 4 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio: Top 3.6% in tier
- + Net Worth Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 34.9% in tier
- - Stagnation Risk: Bottom 57.6% in tier
- - Membership Headwinds: Bottom 57.6% in tier
- - Indirect Auto Concentration (%): Bottom 4.8% in tier
- - Total Loans: Bottom 6.0% in tier
- - Loan-to-Share Ratio: Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,841
-0.5% YoY+0.2% QoQ
|
-4.2K |
38,079
-4.8% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$532.5M
+5.9% YoY+2.5% QoQ
|
$-87.2M |
$619.7M
-0.2% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$248.4M
+1.5% YoY-0.4% QoQ
|
$-171.0M |
$419.3M
-1.4% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.4% in tier |
| Deposits |
$449.8M
+4.8% YoY+2.6% QoQ
|
$-89.7M |
$539.5M
-0.1% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.8% in tier |
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| ROA |
1.7%
+10.7% YoY+5.3% QoQ
|
+1.0% |
0.7%
+36.0% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Top 4.8% in tier |
| NIM |
3.7%
+2.0% YoY+0.3% QoQ
|
+0.2% |
3.5%
+4.5% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
58.6%
-8.7% YoY-2.2% QoQ
|
-19.8% |
78.4%
-3.7% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
0.2%
-3.8% YoY-46.2% QoQ
|
-0.5 |
0.7%
-0.9% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
Top 12.6% in tier |
| Loan To Share |
55.2%
-3.2% YoY-2.9% QoQ
|
-22.5% |
77.7%
-1.2% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.8% in tier |
| AMR |
$20,630
+4.2% YoY+1.3% QoQ
|
$-6K |
$26,927
+3.1% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
21.6%
+4.4% YoY-1.4% QoQ
|
-2.7% | 24.3% | 24.0% | 19.8% | 41% |
| Indirect Auto % |
45.5%
-4.1% YoY-0.9% QoQ
|
+31.7% | 13.8% | 14.3% | 7.7% | Bottom 4.9% 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)