BlastPoint's Credit Union Scorecard
COCONINO
Charter #10335 · AZ
COCONINO has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 74.6% in tier
- + Net Interest Margin 0.43% above tier average
- + First Mortgage Concentration (%): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.8% in tier
- - Membership Headwinds: Bottom 18.1% in tier
- - Stagnation Risk: Bottom 22.0% in tier
- - Institutional Decline: Bottom 28.3% in tier
- - ROA 0.06% below tier average
- - Member decline: -2.3% YoY
- - Net Charge-Off Rate: Bottom 8.7% in tier
- - Total Loans: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,719
-2.3% YoY-0.2% QoQ
|
-5.9K |
15,628
-3.4% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$123.8M
+3.7% YoY+1.3% QoQ
|
$-107.5M |
$231.3M
-0.0% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$59.6M
-2.9% YoY+0.0% QoQ
|
$-88.2M |
$147.8M
-1.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.2% in tier |
| Deposits |
$109.8M
+3.5% YoY+1.2% QoQ
|
$-90.5M |
$200.3M
-0.0% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.7%
+3.3% YoY+36.9% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
4.0%
+7.5% YoY+0.6% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
76.2%
-3.9% YoY+0.6% QoQ
|
-1.1% |
77.3%
-3.0% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.3%
-41.1% YoY+20.2% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
54.2%
-6.2% YoY-1.2% QoQ
|
-18.5% |
72.7%
-1.5% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.9% in tier |
| AMR |
$17,428
+3.5% YoY+1.0% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
19.5%
+37.9% YoY+6.3% QoQ
|
-4.9% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
34.6%
-6.0% YoY-1.0% QoQ
|
+20.6% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)