OTERO

Charter #8475 | NM

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in NM

OTERO has 6 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 21.8% in tier
  • + Relationship Depth Leader: Top 25.6% 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
  • - Liquidity Overhang: Bottom 5.9% 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
 34th in tier
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
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
 68th in tier
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
 Bottom 21.9% in tier
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
 Bottom 17.2% in tier
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
 39th in tier
Indirect Auto % 46.5%
-2.4% YoY-0.6% QoQ
 +32.6% 14.0%
-5.8% YoY
 14.5%
+3.5% YoY
 7.9%
-2.9% YoY
 Top 4.8% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#603 of 1006 • Top 21.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.75%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#706 of 1006 • Top 25.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.75%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk
#30 of 525 • Bottom 1.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.66%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 46.53%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.98%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#92 of 552 • Bottom 5.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.09%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 57.75%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Stagnation Risk

risk
#254 of 550 • Bottom 15.4% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.63%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.98%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $19.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 21.28%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#473 of 550 • Bottom 28.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.98%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#716 of 736 • Bottom 28.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (4 metrics)

7
Efficiency Ratio
profitability
Value: 61.12%
Peer Avg: 78.10%
#7 of 169 Top 3.6% in 500M-750M tier
9
Return on Assets (ROA)
profitability
Value: 1.63%
Peer Avg: 0.66%
#9 of 169 Top 4.7% in 500M-750M tier
12
Net Worth Ratio
risk
Value: 15.09%
Peer Avg: 10.94%
#12 of 169 Top 6.5% in 500M-750M tier
38
Total Delinquency Rate (60+ days)
risk
Value: 0.35%
Peer Avg: 0.80%
#38 of 169 Top 21.9% in 500M-750M tier

Top Weaknesses (7 metrics)

164
Total Deposits
balance_sheet
Value: $429.27M
Peer Avg: $538.02M
#164 of 169 Bottom 3.6% in 500M-750M tier
162
Total Loans
balance_sheet
Value: $247.92M
Peer Avg: $435.95M
#162 of 169 Bottom 4.7% in 500M-750M tier
160
Indirect Auto Concentration (%)
balance_sheet
Value: 46.53%
Peer Avg: 16.19%
#160 of 169 Bottom 5.9% in 500M-750M tier
160
Total Assets
balance_sheet
Value: $508.68M
Peer Avg: $622.38M
#160 of 169 Bottom 5.9% in 500M-750M tier
156
Loan-to-Share Ratio
balance_sheet
Value: 57.75%
Peer Avg: 81.02%
#156 of 169 Bottom 8.3% in 500M-750M tier
153
Loan-to-Member Ratio (LMR)
engagement
Value: $7,302
Peer Avg: $11,805
#153 of 169 Bottom 10.1% in 500M-750M tier
140
Average Member Relationship (AMR)
engagement
Value: $19,946
Peer Avg: $26,482
#140 of 169 Bottom 17.8% in 500M-750M tier