BlastPoint's Credit Union Scorecard
EVERYONE'S
Charter #9370 · NM
EVERYONE'S faces 1 concern requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in New Mexico.
- Shares and deposits +0.5% year over year ($38.7M in shares and deposits).
- Membership: 4,538 members, -0.4% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.66%.
- Efficiency ratio 84.43% vs a 88.77% peer average.
- Loan-to-share ratio 70.50% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,538
-0.4% YoY-0.6% QoQ
|
+2.0K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$46.5M
+1.4% YoY-4.5% QoQ
|
+$16.2M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$27.3M
-4.0% YoY+1.9% QoQ
|
+$11.8M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$38.7M
+0.5% YoY-5.5% QoQ
|
+$12.9M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
74% |
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| ROA |
0.7%
-16.0% YoY-9.0% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
41% |
| NIM |
3.4%
-7.6% YoY+4.8% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
84.4%
+9.3% YoY+1.7% QoQ
|
-4.3% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
0.0%
-98.8% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Top 12.6% in tier |
| Loan To Share |
70.5%
-4.5% YoY+7.9% QoQ
|
+11.6% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$14,532
-1.0% YoY-2.0% QoQ
|
$-430 |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration |
10.5%
+15.9% YoY+4.0% QoQ
|
-14.0% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)