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 2.57% above tier average
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio: Top 3.5% in tier
- + Fee Income Per Member: Top 8.3% in tier
- + Loan-to-Member Ratio (LMR): Top 8.5% in tier
- + Net Charge-Off Rate: Top 9.6% in tier
- + Loan-to-Share Ratio: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.5% YoY
- - Indirect Auto Concentration (%): Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,550
-4.5% YoY-1.1% QoQ
|
+873 |
2,676
+1.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
75% |
| Assets |
$50.4M
+1.3% YoY+1.2% QoQ
|
+$20.2M |
$30.2M
+1.3% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
77% |
| Loans |
$35.1M
-4.0% YoY-2.0% QoQ
|
+$19.8M |
$15.3M
-2.0% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
Top 13.2% in tier |
| Deposits |
$40.2M
-1.3% YoY+0.4% QoQ
|
+$14.4M |
$25.8M
+0.7% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
2.7%
+17.7% YoY+22.8% QoQ
|
+2.6% |
0.1%
-77.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
Top 2.8% in tier |
| NIM |
4.3%
-0.2% YoY-1.5% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
46.7%
-17.6% YoY-17.2% QoQ
|
-44.0% |
90.6%
+6.5% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
Top 3.5% in tier |
| Delinquency Rate |
0.5%
-18.3% YoY-30.5% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
87.3%
-2.7% YoY-2.4% QoQ
|
+28.8% |
58.5%
-3.0% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 10.1% in tier |
| AMR |
$21,217
+2.0% YoY+0.3% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
82% |
| CD Concentration |
32.2%
-2.8% YoY+2.5% QoQ
|
+7.9% | 24.3% | 24.0% | 19.8% | 50% |
| Indirect Auto % |
16.0%
-6.3% YoY+2.5% QoQ
|
+2.2% | 13.8% | 14.3% | 7.7% | 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)