BlastPoint's Banking Scorecard
Tucumcari Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Tucumcari, NM
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 2 in NM.
- Deposits +7.7% year over year ($29.2M on the books).
- Delinquency rate 1.03%.
- Return on assets 0.09%.
- Efficiency ratio 97.73% vs a 119.40% peer average.
- Loan-to-deposit ratio 82.62% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Tucumcari Federal Savings and Loan Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.67% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 21.53% below tier average
- - ROA 0.91% below tier average
- - Net Interest Margin 0.59% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.4M
+3.1% YoY
-1.3% QoQ
|
-$24.1M |
$62.4M
-0.0% YoY
|
$566.9M
+3.2% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$24.1M
-9.1% YoY
-2.8% QoQ
|
-$10.7M |
$34.9M
-0.6% YoY
|
$317.6M
+7.5% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$29.2M
+7.7% YoY
+0.5% QoQ
|
-$22.4M |
$51.6M
-0.2% YoY
|
$493.4M
+2.0% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
0.09%
-74.6% YoY
-23.1% QoQ
|
-0.91% |
1.00%
+3.5% YoY
|
1.89%
+4.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.0% in tier |
| Net Interest Margin ? |
3.33%
-4.7% YoY
-1.7% QoQ
|
-0.59% |
3.91%
+2.3% YoY
|
4.43%
+1.2% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
97.73%
+11.7% YoY
+1.3% QoQ
|
-21.67% |
119.40%
+49.6% YoY
|
57.29%
+2.1% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.4% in tier |
| Delinquency Rate ? |
1.03%
+1.4% YoY
+1.2% QoQ
|
-0.45% |
1.48%
+31.8% YoY
|
1.04%
-16.3% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
82.62%
-15.6% YoY
-3.3% QoQ
|
+8.41% |
74.21%
+12.6% YoY
|
57.68%
+1.9% YoY
|
79.03%
+2.3% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
1.96%
+9.0% YoY
+22.6% QoQ
|
-21.53% |
23.49%
+0.6% YoY
|
32.88%
-1.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.5% in tier |
| Nonperforming Asset Ratio ? |
0.65%
-10.6% YoY
-0.3% QoQ
|
-0.19% |
0.84%
+23.0% YoY
|
0.60%
-19.3% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
15.22%
-2.3% YoY
-2.2% QoQ
|
-11.90% |
27.13%
+3.0% YoY
|
21.71%
-4.2% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.05%
+14.1% YoY
+102.6% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.46%
-9.7% YoY
|
0.66%
+5.2% YoY
|
19% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
2.0%
+0.2pp YoY +0.4pp QoQ |
-22.7pp | 24.6% | 34.1% | 22.2% | 3% |
| Brokered Deposits | n/a | n/a | 9.8% | 5.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 20.2% | 12.5% | n/a |
| CRE |
14.1%
-1.5pp YoY -1.5pp QoQ |
-11.2pp | 25.2% | 50.8% | 41.4% | 28% |
| 1-4 Family |
86.6%
+1.5pp YoY +1.4pp QoQ |
+51.6pp | 35.0% | 20.2% | 31.3% | 95% |
| Consumer |
0.4%
+0.1pp YoY +0.1pp QoQ |
-7.2pp | 7.7% | 3.8% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 26.0% | 19.7% | n/a |
| Leverage Ratio |
15.2%
-0.4pp YoY -0.3pp QoQ |
-2.5pp | 17.7% | 13.9% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 39.7% | 27.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
0 YoY 0 QoQ |
-6 | 12 | 75 | 482 | 13% |
| Assets per Employee ($) |
$6.4M
+3.1% YoY -1.3% QoQ |
+$210K | $6.2M | $7.6M | $8.8M | 57% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.1% | 0.4% | 8% |
| Nonaccrual |
1.0%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.1% | 1.0% | 57% |
| Allowance Coverage |
1.07x
+2.3% YoY -0.6% QoQ |
-5.34x | 6.41x | 56.44x | 20.23x | 45% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.6%
-1.7pp YoY -0.2pp QoQ |
-5.8pp | 6.4% | 18.9% | 11.6% | 14% |
| Cost of Funds (YTD) |
2.7%
-0.2pp YoY +0.1pp QoQ |
+1.3pp | 1.4% | 1.0% | 1.7% | 96% |
| Net Income ($, YTD) |
$17,000
-74.2% YoY — QoQ |
-$301K | $317,817 | $5.6M | $40.4M | 14% |
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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)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.