BlastPoint's Credit Union Scorecard
ROSWELL COMMUNITY
Charter #9093 · NM
ROSWELL COMMUNITY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.66% above tier average
- + Net Interest Margin 0.29% above tier average
- + Strong member growth: 28.5% YoY
- + Member Growth Rate: Top 1.2% in tier
- + Loan-to-Member Ratio (LMR): Top 8.1% in tier
- + Efficiency Ratio: Top 8.7% in tier
- + Loan-to-Share Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 1.8% in tier
- - Indirect Auto Concentration (%): Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,635
+28.5% YoY-2.3% QoQ
|
+1.0K |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$49.5M
+6.2% YoY-1.3% QoQ
|
+$19.6M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
77% |
| Loans |
$36.4M
+1.6% YoY-0.6% QoQ
|
+$20.6M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
Top 13.4% in tier |
| Deposits |
$39.9M
+0.5% YoY-2.4% QoQ
|
+$14.5M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
75% |
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| ROA |
2.3%
+33.7% YoY+5.9% QoQ
|
+1.7% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Top 5.1% in tier |
| NIM |
4.2%
+15.7% YoY+1.1% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
54.2%
-12.8% YoY-4.6% QoQ
|
-27.2% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate |
1.0%
-20.3% YoY+62.8% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
91.1%
+1.0% YoY+1.8% QoQ
|
+29.9% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Top 10.0% in tier |
| AMR |
$20,986
-21.4% YoY+0.7% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
31.4%
-3.9% YoY+0.0% QoQ
|
+7.0% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
15.9%
-22.7% YoY-3.0% QoQ
|
+1.9% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
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)