BlastPoint's Credit Union Scorecard
COCONINO
Charter #10335 · AZ
COCONINO has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.43% above tier average
- + First Mortgage Concentration (%): Top 4.4% in tier
- + Total Delinquency Rate (60+ days): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.14% below tier average
- - Net Charge-Off Rate: Bottom 9.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Arizona.
- Shares and deposits +2.5% year over year ($111M in shares and deposits).
- Membership: 9,631 members, -1.1% vs a year ago.
- Delinquency rate 0.09%.
- Return on assets 0.73%.
- Efficiency ratio 73.34% vs a 76.73% peer average.
- Loan-to-share ratio 52.45% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,631
-1.1% YoY-0.1% QoQ
|
-5.5K |
15,168
-2.6% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
30% |
| Assets |
$126.0M
+3.1% YoY-0.4% QoQ
|
$-106.0M |
$232.0M
+0.7% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$58.3M
-2.0% YoY-1.1% QoQ
|
$-87.9M |
$146.3M
+0.2% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.2% in tier |
| Deposits |
$111.2M
+2.5% YoY-0.5% QoQ
|
$-89.5M |
$200.7M
+0.2% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.7%
+37.2% YoY-14.6% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
4.1%
+3.2% YoY+2.9% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
73.3%
-3.2% YoY-3.2% QoQ
|
-3.4% |
76.7%
-0.8% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
0.1%
-63.9% YoY-51.7% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Top 5.5% in tier |
| Loan To Share |
52.5%
-4.5% YoY-0.5% QoQ
|
-19.1% |
71.5%
-0.3% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.3% in tier |
| AMR |
$17,603
+2.1% YoY-0.6% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
19.2%
+5.0% YoY-1.6% QoQ
|
-5.3% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % |
32.1%
-8.2% YoY-4.0% QoQ
|
+18.5% | 13.6% | 21.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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 shrinking at least 0.5% year-over-year. Declining 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)