BlastPoint's Credit Union Scorecard
COCONINO
Charter #10335 · AZ
COCONINO has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.42% above tier average
- + First Mortgage Concentration (%): Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.2% in tier
- - Membership Headwinds: Bottom 65.3% in tier
- - Stagnation Risk: Bottom 68.2% in tier
- - Institutional Decline: Bottom 92.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,676
-1.9% YoY-0.4% QoQ
|
-5.8K |
15,437
-2.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$125.9M
+5.4% YoY+1.7% QoQ
|
$-106.0M |
$231.9M
+1.3% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$59.9M
-2.1% YoY+0.6% QoQ
|
$-87.4M |
$147.3M
-0.1% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.1% in tier |
| Deposits |
$111.3M
+4.8% YoY+1.4% QoQ
|
$-89.5M |
$200.8M
+0.8% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
1.0%
+37.8% YoY+41.6% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
4.0%
+4.6% YoY+0.2% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
74.5%
-4.4% YoY-2.2% QoQ
|
-2.5% |
77.0%
-3.1% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.3%
-59.3% YoY-14.1% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.8% in tier |
| Loan To Share |
53.8%
-6.6% YoY-0.7% QoQ
|
-18.4% |
72.2%
-1.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.8% in tier |
| AMR |
$17,700
+4.2% YoY+1.6% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
19.2%
+28.8% YoY-1.5% QoQ
|
-5.2% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % |
36.5%
-1.2% YoY+5.5% QoQ
|
+22.7% | 13.8% | 22.5% | 7.8% | 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)