BlastPoint's Banking Scorecard
Tucumcari Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Tucumcari, NM
Tucumcari Federal Savings and Loan Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 22.18% below tier average
- - ROA 0.74% below tier average
- - Net Interest Margin 0.49% below tier average
- - Efficiency Ratio 8.85% above tier average
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
|
-$23.4M |
$62.3M
-0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.0% YoY
|
20% |
| Total Loans ? |
$24.8M
-6.6% YoY
-5.3% QoQ
|
-$9.5M |
$34.3M
-1.5% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.7% YoY
|
36% |
| Total Deposits ? |
$29.1M
+7.3% YoY
+8.5% QoQ
|
-$22.8M |
$51.8M
-0.6% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.0% YoY
|
18% |
| Return on Assets ? |
0.12%
-63.5% YoY
-56.3% QoQ
|
-0.74% |
0.86%
-3.6% YoY
|
1.89%
+10.3% YoY
|
1.24%
+13.1% YoY
|
17% |
| Net Interest Margin ? |
3.38%
-1.0% YoY
-4.0% QoQ
|
-0.49% |
3.87%
+2.7% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
96.47%
+9.9% YoY
+4.9% QoQ
|
+8.85% |
87.63%
+2.3% YoY
|
56.82%
-1.4% YoY
|
66.84%
-3.8% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate ? |
1.02%
-1.2% YoY
+2.4% QoQ
|
-0.34% |
1.36%
+33.7% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
85.41%
-13.0% YoY
-12.7% QoQ
|
+21.30% |
64.11%
-0.9% YoY
|
57.05%
+2.9% YoY
|
76.69%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
1.60%
+3.4% YoY
+14.9% QoQ
|
-22.18% |
23.79%
+0.5% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.1% YoY
|
Bottom 7.4% in tier |
| Nonperforming Asset Ratio ? |
0.65%
-11.3% YoY
-8.1% QoQ
|
-0.12% |
0.77%
+28.7% YoY
|
0.58%
-1.5% YoY
|
0.66%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
15.57%
+2.7% YoY
-1.8% QoQ
|
-11.21% |
26.77%
+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%
+1.6% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.0% YoY
|
20% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.