BlastPoint's Credit Union Scorecard
EVERYONE'S
Charter #9370 · NM
EVERYONE'S demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,569
+1.1% YoY+0.1% QoQ
|
+2.0K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$46.5M
+7.2% YoY+0.6% QoQ
|
+$16.3M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$27.5M
+8.9% YoY-2.8% QoQ
|
+$11.7M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$38.6M
+5.0% YoY-0.2% QoQ
|
+$12.9M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
1.0%
-9.3% YoY-8.6% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
3.7%
-2.6% YoY-1.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
78.9%
+4.0% YoY+2.8% QoQ
|
-3.6% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.0%
-63.3% YoY-32.0% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.6% in tier |
| Loan To Share |
71.2%
+3.7% YoY-2.6% QoQ
|
+10.6% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$14,461
+5.4% YoY-1.4% QoQ
|
$-322 |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
10.7%
+3.9% YoY+1.1% QoQ
|
-13.7% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)