BlastPoint's Credit Union Scorecard
NUSENDA
Charter #948 · NM
NUSENDA has 3 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 65.2% in tier
- + Net Interest Margin 0.62% above tier average
- + First Mortgage Concentration (%): Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 60.9% in tier
- - Shrinking Wallet Share: Bottom 84.4% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 9.85% above tier (higher cost structure)
- - Total Assets: Bottom 7.7% in tier
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 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in New Mexico.
- Shares and deposits +6.0% year over year ($4.39B in shares and deposits).
- Membership: 299,021 members, +4.6% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.77%.
- Efficiency ratio 75.03% vs a 65.18% peer average.
- Loan-to-share ratio 78.34% vs a 85.64% 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 |
299,021
+4.6% YoY+1.1% QoQ
|
-11.9K |
310,918
+6.0% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$5.0B
+4.8% YoY+1.0% QoQ
|
$-769.0M |
$5.8B
-1.1% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.1% in tier |
| Loans |
$3.4B
+1.8% YoY+0.3% QoQ
|
$-759.8M |
$4.2B
-0.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
15% |
| Deposits |
$4.4B
+6.0% YoY+0.0% QoQ
|
$-503.2M |
$4.9B
-1.3% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.8% in tier |
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| ROA |
0.8%
+40.5% YoY+111.3% QoQ
|
-0.2% |
0.9%
+35.3% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
3.8%
+9.5% YoY+2.1% QoQ
|
+0.6% |
3.2%
+9.5% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
75.0%
-2.7% YoY-7.8% QoQ
|
+9.8% |
65.2%
-9.0% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.8%
-9.5% YoY-0.6% QoQ
|
+0.0 |
0.8%
+23.8% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
78.3%
-3.9% YoY+0.3% QoQ
|
-7.3% |
85.6%
-0.2% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$26,192
-0.5% YoY-0.9% QoQ
|
$-6K |
$32,010
-7.3% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
25.0%
+6.9% YoY+1.8% QoQ
|
-3.3% | 28.3% | 24.3% | 20.0% | 35% |
| Indirect Auto % |
27.2%
-4.4% YoY-0.2% QoQ
|
+10.4% | 16.8% | 14.3% | 7.7% | 77% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)