BlastPoint's Banking Scorecard
Tucumcari Federal Savings and Loan Association
Micro
Specialty: Mortgage
NM
FDIC cert 29059
Designations: ✓ Community bank ✓ Mutual
Tucumcari, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
Tucumcari Federal Savings and Loan Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 24.24% above tier
- - Non-Interest-Bearing Deposit Share 21.00% below tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$36.9M
-3.3% YoY
+0.9% QoQ
|
-$180.6M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$26.2M
-4.5% YoY
-1.1% QoQ
|
-$112.9M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$26.8M
-3.2% YoY
+1.3% QoQ
|
-$156.9M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.27%
-3.3% YoY
+43.1% QoQ
|
-0.82% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.52%
+11.5% YoY
-0.0% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
91.96%
+3.3% YoY
-1.7% QoQ
|
+24.24% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.99%
-42.5% YoY
+6.0% QoQ
|
+0.36% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
97.86%
-1.3% YoY
-2.4% QoQ
|
+23.33% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.40%
+15.3% YoY
-33.2% QoQ
|
-21.00% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.71%
-43.2% YoY
+3.9% QoQ
|
+0.26% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
-15.4% YoY
+37.3% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.96%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.40%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Loan-to-Deposit Ratio
Current: 97.86% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
29
29th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.45%
11
11th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
9
9th pctile
Total Loans
Current: $26.2M · Tier avg: $139.2M
8
8th pctile
Efficiency Ratio
Current: 91.96% · Tier avg: 67.73%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
4
4th pctile
Total Deposits
Current: $26.8M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $36.9M · Tier avg: $217.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 1.40% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 1.40% · Tier avg: 22.39%
4
4th pctile
Total Assets
Current: $36.9M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $26.8M · Tier avg: $183.7M
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
8
8th pctile
Efficiency Ratio
Current: 91.96% · Tier avg: 67.73%
9
9th pctile
Total Loans
Current: $26.2M · Tier avg: $139.2M
11
11th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.45%
29
29th pctile
Delinquency Rate
Current: 0.99% · Tier avg: 0.64%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
89
89th pctile
Loan-to-Deposit Ratio
Current: 97.86% · Tier avg: 74.53%