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 0.35% above tier average
- + Net Interest Margin 0.84% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.6% in tier
- + Total Loans: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,920
-0.7% YoY+1.7% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
Top 14.6% in tier |
| Assets |
$59.6M
+5.8% YoY-1.1% QoQ
|
+$29.8M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$42.7M
+6.3% YoY-0.4% QoQ
|
+$26.9M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
Top 8.6% in tier |
| Deposits |
$47.9M
+6.4% YoY-1.6% QoQ
|
+$22.4M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
1.0%
+16.2% YoY-1.6% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
4.8%
+4.1% YoY-0.3% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
71.3%
-6.1% YoY-0.2% QoQ
|
-10.1% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.1%
-46.3% YoY
|
-1.4 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
89.1%
-0.1% YoY+1.3% QoQ
|
+27.8% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Top 12.0% in tier |
| AMR |
$18,401
+7.1% YoY-2.7% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
13.5%
+4.6% YoY+0.2% QoQ
|
-11.0% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
20.6%
+12.9% YoY+2.3% QoQ
|
+6.6% |
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)