BlastPoint's Credit Union Scorecard
ROSWELL COMMUNITY
Charter #9093 · NM
ROSWELL COMMUNITY has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.59% above tier average
- + Net Interest Margin 0.40% above tier average
- + Strong member growth: 26.7% YoY
- + Member Growth Rate: Top 1.2% in tier
- + Efficiency Ratio: Top 8.1% in tier
- + Loan-to-Member Ratio (LMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.0% in tier
- - Indirect Auto Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,588
+26.7% YoY-1.3% QoQ
|
+972 |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$49.7M
+7.0% YoY+0.5% QoQ
|
+$19.6M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$35.8M
+3.4% YoY-1.5% QoQ
|
+$20.1M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
Top 13.6% in tier |
| Deposits |
$40.1M
+1.4% YoY+0.4% QoQ
|
+$14.4M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
2.2%
+43.5% YoY-5.6% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
Top 4.9% in tier |
| NIM |
4.3%
+18.7% YoY+3.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
56.4%
-15.9% YoY+3.9% QoQ
|
-26.2% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate |
0.8%
-54.7% YoY-23.1% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
89.5%
+2.0% YoY-1.8% QoQ
|
+28.9% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
Top 10.5% in tier |
| AMR |
$21,155
-19.2% YoY+0.8% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
31.4%
-2.9% YoY-0.1% QoQ
|
+7.0% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
15.7%
-19.8% YoY-1.5% QoQ
|
+1.9% | 13.8% | 14.3% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)