BlastPoint's Credit Union Scorecard
OTERO
Charter #8475 · NM
OTERO has 4 strengths but faces 7 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 0.91% above tier average
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio: Top 4.8% in tier
- + Net Worth Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 34.6% in tier
- - Stagnation Risk: Bottom 58.2% in tier
- - Membership Headwinds: Bottom 58.2% in tier
- - Total Loans: Bottom 5.5% in tier
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
- - Loan-to-Share Ratio: Bottom 8.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in New Mexico.
- Shares and deposits +5.1% year over year ($451M in shares and deposits).
- Membership: 33,764 members, -0.5% vs a year ago.
- Delinquency rate 0.26%.
- Return on assets 1.73%.
- Efficiency ratio 57.94% vs a 76.56% peer average.
- Loan-to-share ratio 55.55% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,764
-0.5% YoY-0.2% QoQ
|
-4.1K |
37,897
-5.0% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$535.3M
+5.9% YoY+0.5% QoQ
|
$-87.1M |
$622.4M
+0.6% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$250.4M
+2.4% YoY+0.8% QoQ
|
$-178.1M |
$428.5M
-0.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.8% in tier |
| Deposits |
$450.7M
+5.1% YoY+0.2% QoQ
|
$-89.1M |
$539.8M
+0.9% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.5% in tier |
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| ROA |
1.7%
+9.6% YoY+3.4% QoQ
|
+0.9% |
0.8%
+39.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
Top 6.7% in tier |
| NIM |
3.7%
+3.0% YoY+1.7% QoQ
|
+0.2% |
3.5%
+5.0% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
57.9%
-7.3% YoY-1.2% QoQ
|
-18.6% |
76.6%
-3.6% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
Top 4.8% in tier |
| Delinquency Rate |
0.3%
-8.4% YoY+14.6% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Top 12.7% in tier |
| Loan To Share |
55.5%
-2.6% YoY+0.6% QoQ
|
-23.8% |
79.3%
-1.4% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.9% in tier |
| AMR |
$20,763
+4.7% YoY+0.6% QoQ
|
$-7K |
$27,294
+4.1% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
21.4%
+3.9% YoY-0.5% QoQ
|
-3.1% | 24.6% | 24.3% | 20.0% | 40% |
| Indirect Auto % |
44.8%
-4.2% YoY-1.4% QoQ
|
+31.2% | 13.6% | 14.3% | 7.7% | Bottom 5.2% 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)