BlastPoint's Credit Union Scorecard
EDDY
Charter #9566 · NM
EDDY has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.75% above tier average
- + Total Loans: Top 7.2% in tier
- + Member Growth Rate: Top 8.1% in tier
- + Loan-to-Share Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.49% below tier average
- - Efficiency ratio 4.56% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 5.0% in tier
- - Net Charge-Off Rate: Bottom 9.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in New Mexico.
- Shares and deposits +2.8% year over year ($50.0M in shares and deposits).
- Membership: 5,035 members, +4.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.00%.
- Efficiency ratio 93.32% vs a 88.77% peer average.
- Loan-to-share ratio 90.49% 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 |
5,035
+4.1% YoY+1.7% QoQ
|
+2.4K |
2,585
-1.7% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
Top 13.3% in tier |
| Assets |
$61.8M
+2.5% YoY-0.5% QoQ
|
+$31.5M |
$30.3M
+1.5% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$45.3M
+5.8% YoY+5.8% QoQ
|
+$29.8M |
$15.5M
-1.7% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 7.3% in tier |
| Deposits |
$50.0M
+2.8% YoY-0.2% QoQ
|
+$24.2M |
$25.8M
+1.1% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
0.0%
-99.6% YoY-99.4% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.3% in tier |
| NIM |
4.6%
-2.9% YoY+1.5% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
93.3%
+30.7% YoY+11.2% QoQ
|
+4.6% |
88.8%
-6.9% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
Top 12.9% in tier |
| Loan To Share |
90.5%
+2.9% YoY+6.0% QoQ
|
+31.6% |
58.9%
-3.1% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
Top 8.9% in tier |
| AMR |
$18,928
+0.1% YoY+0.8% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
12.1%
-9.8% YoY-4.1% QoQ
|
-12.4% | 24.6% | 24.3% | 20.0% | 50% |
| Indirect Auto % |
21.7%
+8.0% YoY+6.5% QoQ
|
+8.1% | 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)