BlastPoint's Credit Union Scorecard
EDDY
Charter #9566 · NM
EDDY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.81% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 7.2% in tier
- + Total Loans: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,917
+4.3% YoY-0.1% QoQ
|
+2.3K |
2,615
-1.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
Top 14.6% in tier |
| Assets |
$60.6M
+5.1% YoY+1.6% QoQ
|
+$30.4M |
$30.1M
+2.1% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$42.0M
+5.1% YoY-1.6% QoQ
|
+$26.2M |
$15.8M
-1.3% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
Top 9.0% in tier |
| Deposits |
$48.7M
+5.5% YoY+1.8% QoQ
|
+$23.0M |
$25.7M
+1.4% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
1.0%
+44.0% YoY-7.7% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
4.8%
+2.8% YoY-0.1% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
75.1%
-3.6% YoY+5.3% QoQ
|
-7.5% |
82.6%
-2.3% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.4%
+25.7% YoY+392.7% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
86.1%
-0.4% YoY-3.4% QoQ
|
+25.5% |
60.6%
-3.1% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
Top 14.1% in tier |
| AMR |
$18,444
+1.0% YoY+0.2% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
13.4%
+2.4% YoY-0.2% QoQ
|
-11.0% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
20.0%
+6.7% YoY-2.7% QoQ
|
+6.2% | 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)