BlastPoint's Credit Union Scorecard

EDDY

Charter #9566 · NM

<100M

2508 CUs in <100M nationally 21 in NM

EDDY has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.55% above tier average
+ Net Interest Margin 0.57% above tier average
+ Fee Income Per Member: Top 3.5% in tier
+ Total Loans: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 5.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	4,950 +3.6% YoY+0.7% QoQ	+2.3K	2,676 +1.6% YoY	30,914 +5.7% YoY	33,913 +5.7% YoY	Top 13.5% in tier
Assets	$62.1M +6.8% YoY+2.5% QoQ	+$31.9M	$30.2M +1.3% YoY	$559.7M +10.6% YoY	$578.3M +9.0% YoY	84%
Loans	$42.8M +2.5% YoY+2.0% QoQ	+$27.5M	$15.3M -2.0% YoY	$378.7M +12.3% YoY	$402.4M +8.7% YoY	Top 7.9% in tier
Deposits	$50.1M +7.0% YoY+2.8% QoQ	+$24.3M	$25.8M +0.7% YoY	$478.4M +9.0% YoY	$494.3M +9.1% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -20.1% YoY-26.8% QoQ	+0.6%	0.1% -77.6% YoY	0.8% +125.8% YoY	0.4% -39.2% YoY	55%
NIM	4.6% -4.3% YoY-3.9% QoQ	+0.6%	4.0% +4.0% YoY	3.9% +3.5% YoY	3.8% +4.1% YoY	79%
Efficiency Ratio	83.9% +20.3% YoY+11.8% QoQ	-6.7%	90.6% +6.5% YoY	76.9% -4.0% YoY	84.6% +2.8% YoY	55%
Delinquency Rate	0.0% -88.9% QoQ	-1.5	1.5% +3.8% YoY	0.9% +18.5% YoY	1.2% +3.4% YoY	17%
Loan To Share	85.4% -4.2% YoY-0.8% QoQ	+26.9%	58.5% -3.0% YoY	69.3% +1.3% YoY	65.6% -1.4% YoY	Top 12.2% in tier
AMR	$18,773 +1.3% YoY+1.8% QoQ	+$4K	$14,884 -1.7% YoY	$21,135 +4.9% YoY	$19,920 +1.6% YoY	73%
CD Concentration	12.6% -3.7% YoY-6.0% QoQ	-11.7%	24.3%	24.0%	19.8%	50%
Indirect Auto %	20.4% +2.0% YoY+1.8% QoQ	+6.6%	13.8%	14.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (13 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Fee Income Per Member

profitability

Value: $222.01

Peer Median: $60.42

#90 of 2508 Top 3.5% in <100M tier

199

Total Loans

balance_sheet

Value: $42.80M

Peer Median: $9.48M

#199 of 2508 Top 7.9% in <100M tier

252

Member Growth Rate

growth

Value: 3.58%

Peer Median: -1.37%

#252 of 2508 Top 10.0% in <100M tier

305

Loan-to-Share Ratio

balance_sheet

Value: 85.40%

Peer Median: 58.72%

#305 of 2508 Top 12.1% in <100M tier

339

Total Members

engagement

Value: 4,950

Peer Median: 1,918

#339 of 2508 Top 13.5% in <100M tier

343

Loan-to-Member Ratio (LMR)

engagement

Value: $8,647

Peer Median: $4,923

#343 of 2508 Top 13.6% in <100M tier

387

Asset Growth Rate

growth

Value: 6.84%

Peer Median: 1.30%

#387 of 2508 Top 15.4% in <100M tier

388

Deposit Growth Rate

growth

Value: 7.03%

Peer Median: 0.66%

#388 of 2508 Top 15.4% in <100M tier

409

Total Assets

balance_sheet

Value: $62.07M

Peer Median: $21.86M

#409 of 2508 Top 16.3% in <100M tier

Top Weaknesses (2 metrics)

2373

Indirect Auto Concentration (%)

balance_sheet

Value: 20.36%

Peer Median: 0.00%

#2373 of 2508 Bottom 5.4% in <100M tier

2232

Net Charge-Off Rate

risk

Value: 1.25%

Peer Median: 0.07%

#2232 of 2508 Bottom 11.0% in <100M tier