BlastPoint's Credit Union Scorecard
EVERYONE'S
Charter #9370 · NM
EVERYONE'S demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,565
+1.5% YoY+0.2% QoQ
|
+1.9K |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$46.2M
+4.0% YoY+0.8% QoQ
|
+$16.4M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$28.3M
+13.4% YoY-0.4% QoQ
|
+$12.5M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$38.7M
+2.5% YoY+0.5% QoQ
|
+$13.2M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
1.1%
-3.5% YoY+38.8% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
3.8%
+0.8% YoY+1.0% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
76.8%
+2.4% YoY-0.6% QoQ
|
-4.6% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.0%
+140.9% YoY-56.4% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
73.1%
+10.6% YoY-0.9% QoQ
|
+11.9% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$14,664
+5.3% YoY-0.1% QoQ
|
+$37 |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
10.6%
+2.9% YoY+16.4% QoQ
|
-13.8% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)