BlastPoint's Credit Union Scorecard

COCONINO

Charter #10335 · AZ

100M-500M

1070 CUs in 100M-500M nationally 8 in AZ

COCONINO has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.12% above tier average
+ Net Interest Margin 0.37% above tier average
+ First Mortgage Concentration (%): Top 4.6% 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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	9,639 -1.8% YoY-0.4% QoQ	-5.5K	15,145 -2.5% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	30%
Assets	$126.5M +3.9% YoY+0.5% QoQ	$-105.2M	$231.7M +0.8% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	18%
Loans	$59.0M -1.5% YoY-1.6% QoQ	$-85.2M	$144.1M +0.2% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	Bottom 10.8% in tier
Deposits	$111.8M +2.8% YoY+0.4% QoQ	$-89.3M	$201.1M +0.4% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	18%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +1267.7% YoY-17.1% QoQ	+0.1%	0.7% +5.1% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	61%
NIM	4.0% +1.9% YoY-0.5% QoQ	+0.4%	3.6% +4.6% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	75.8% -4.8% YoY+1.7% QoQ	-2.2%	78.0% -1.7% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	0.2% -21.1% YoY-27.5% QoQ	-0.6	0.8% +7.1% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	Top 13.2% in tier
Loan To Share	52.7% -4.2% YoY-2.1% QoQ	-17.7%	70.4% -0.4% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	Bottom 14.6% in tier
AMR	$17,717 +3.1% YoY+0.1% QoQ	$-7K	$24,918 +2.7% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	19%
CD Concentration	19.5% +18.7% YoY+1.9% QoQ	-4.7%	24.3%	17.3%	19.8%	50%
Indirect Auto %	33.4% -7.8% YoY-8.3% QoQ	+19.6%	13.8%	21.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#155 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.86%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 33.45%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.76%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#391 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.76%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#426 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.76%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.50%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.20%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#243 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $126.55M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.76%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.50%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 3.58%

Peer Median: 29.47%

#50 of 1070 Top 4.6% in 100M-500M tier

142

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.61%

#142 of 1070 Top 13.2% in 100M-500M tier

250

Members Per Employee (MPE)

engagement

Value: 385.560

Peer Median: 309.176

#250 of 1070 Top 23.3% in 100M-500M tier

Top Weaknesses (8 metrics)

954

Total Loans

balance_sheet

Value: $58.96M

Peer Median: $121.41M

#954 of 1070 Bottom 10.9% in 100M-500M tier

947

Net Charge-Off Rate

risk

Value: 1.01%

Peer Median: 0.35%

#947 of 1070 Bottom 11.6% in 100M-500M tier

936

Indirect Auto Concentration (%)

balance_sheet

Value: 33.45%

Peer Median: 6.61%

#936 of 1070 Bottom 12.6% in 100M-500M tier

914

Loan-to-Share Ratio

balance_sheet

Value: 52.73%

Peer Median: 71.88%

#914 of 1070 Bottom 14.7% in 100M-500M tier

910

Loan-to-Member Ratio (LMR)

engagement

Value: $6,117

Peer Median: $9,356

#910 of 1070 Bottom 15.0% in 100M-500M tier

880

Total Assets

balance_sheet

Value: $126.55M

Peer Median: $196.57M

#880 of 1070 Bottom 17.9% in 100M-500M tier

874

Total Deposits

balance_sheet

Value: $111.81M

Peer Median: $171.29M

#874 of 1070 Bottom 18.4% in 100M-500M tier

863

Average Member Relationship (AMR)

engagement

Value: $17,717

Peer Median: $22,931

#863 of 1070 Bottom 19.4% in 100M-500M tier