BlastPoint's Banking Scorecard

Tucumcari Federal Savings and Loan Association

under $100M Specialty: Mortgage NM FDIC cert 29059

Designations: ✓ Community bank ✓ Mutual

Tucumcari, NM

541 banks in the under $100M peer group nationally 2 in NM

Tucumcari Federal Savings and Loan Association has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 22.11% below tier average
- ROA 0.72% below tier average
- Net Interest Margin 0.48% below tier average
- Efficiency Ratio 8.13% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$38.9M +4.1% YoY +5.4% QoQ	-$23.3M	$62.2M -0.6% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$24.8M -6.6% YoY -5.3% QoQ	-$9.4M	$34.2M -1.4% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$29.1M +7.3% YoY +8.5% QoQ	-$22.7M	$51.7M -0.7% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	0.12% -63.5% YoY -56.3% QoQ	-0.72%	0.84% -2.3% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	3.38% -1.0% YoY -4.0% QoQ	-0.48%	3.86% +2.8% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	96.47% +9.9% YoY +4.9% QoQ	+8.13%	88.34% +0.3% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	15%
Delinquency Rate ?	1.02% -1.2% YoY +2.4% QoQ	-0.35%	1.37% +33.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	85.41% -13.0% YoY -12.7% QoQ	+21.20%	64.22% -0.7% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	1.60% +3.4% YoY +14.9% QoQ	-22.11%	23.71% +0.3% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	Bottom 7.8% in tier
Nonperforming Asset Ratio ?	0.65% -11.3% YoY -8.1% QoQ	-0.14%	0.79% +28.2% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	15.57% +2.7% YoY -1.8% QoQ	-11.12%	26.68% +2.0% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.03% +20.1% YoY -73.7% QoQ	-0.64%	0.67% +1.9% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

500

Non-Interest-Bearing Deposit Share

funding

Value: 1.60%

Peer Median: 23.71%

#500 of 541 Bottom 7.8% in under $100M

459

Efficiency Ratio

profitability

Value: 96.47%

Peer Median: 88.34%

#459 of 541 Bottom 15.3% in under $100M

449

Return on Assets

profitability

Value: 0.12%

Peer Median: 0.84%

#449 of 541 Bottom 17.2% in under $100M

443

Total Deposits

size

Value: $29.08M

Peer Median: $51.74M

#443 of 541 Bottom 18.3% in under $100M

437

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#437 of 541 Bottom 19.4% in under $100M

433

Loan-to-Deposit Ratio

liquidity

Value: 85.41%

Peer Median: 64.22%

#433 of 541 Bottom 20.1% in under $100M

433

Total Assets

size

Value: $38.88M

Peer Median: $62.16M

#433 of 541 Bottom 20.1% in under $100M