BlastPoint's Credit Union Scorecard

WINSLOW SCHOOL EMPLOYEES

Charter #11459 · AZ

<100M
2508 CUs in <100M nationally 12 in AZ

WINSLOW SCHOOL EMPLOYEES has 1 strength but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.58% above tier average

Key Concerns

Areas that may need attention

  • - Member decline: -2.5% YoY
  • - Loan Growth Rate: Bottom 5.3% in tier
  • - AMR Growth Rate: Bottom 6.8% in tier
  • - Fee Income Per Member: Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 548
-2.5% YoY-1.3% QoQ
-2.1K 2,676
+1.6% YoY
61,699
+4.0% YoY
33,913
+5.7% YoY
15%
Assets $5.1M
-2.7% YoY+1.7% QoQ
$-25.0M $30.2M
+1.3% YoY
$1.1B
+9.9% YoY
$578.3M
+9.0% YoY
19%
Loans $3.2M
-21.9% YoY-6.1% QoQ
$-12.1M $15.3M
-2.0% YoY
$678.0M
+10.6% YoY
$402.4M
+8.7% YoY
25%
Deposits $4.2M
-3.9% YoY+2.0% QoQ
$-21.6M $25.8M
+0.7% YoY
$945.2M
+9.4% YoY
$494.3M
+9.1% YoY
20%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.7%
-12.3% YoY-2.3% QoQ
+0.6% 0.1%
-77.6% YoY
0.7%
+1.0% YoY
0.4%
-39.2% YoY
56%
NIM 3.5%
-2.8% YoY-6.1% QoQ
-0.5% 4.0%
+4.0% YoY
3.9%
+0.5% YoY
3.8%
+4.1% YoY
36%
Efficiency Ratio 85.2%
-1.3% YoY-3.4% QoQ
-5.5% 90.6%
+6.5% YoY
76.9%
-1.0% YoY
84.6%
+2.8% YoY
58%
Delinquency Rate 0.0%
-96.9% YoY
-1.5 1.5%
+3.8% YoY
0.8%
+8.3% YoY
1.2%
+3.4% YoY
17%
Loan To Share 75.3%
-18.7% YoY-8.0% QoQ
+16.8% 58.5%
-3.0% YoY
68.3%
-2.8% YoY
65.6%
-1.4% YoY
75%
AMR $13,498
-10.3% YoY-0.4% QoQ
$-1K $14,884
-1.7% YoY
$19,742
+4.3% YoY
$19,920
+1.6% YoY
48%
CD Concentration 0.0% -24.3% 24.3% 17.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 21.9% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
418
Total Delinquency Rate (60+ days)
risk
Value: 0.04%
Peer Median: 0.65%
#418 of 2508 Top 16.6% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier
625
Loan-to-Share Ratio
balance_sheet
Value: 75.30%
Peer Median: 58.72%
#625 of 2508 Top 24.9% in <100M tier

Top Weaknesses (8 metrics)

2376
Loan Growth Rate
growth
Value: -21.86%
Peer Median: -2.36%
#2376 of 2508 Bottom 5.3% in <100M tier
2338
AMR Growth Rate
growth
Value: -10.30%
Peer Median: 1.27%
#2338 of 2508 Bottom 6.8% in <100M tier
2328
Fee Income Per Member
profitability
Value: $0.64
Peer Median: $60.42
#2328 of 2508 Bottom 7.2% in <100M tier
2129
Total Members
engagement
Value: 548
Peer Median: 1,918
#2129 of 2508 Bottom 15.2% in <100M tier
2027
Total Assets
balance_sheet
Value: $5.15M
Peer Median: $21.86M
#2027 of 2508 Bottom 19.2% in <100M tier
2012
Total Deposits
balance_sheet
Value: $4.22M
Peer Median: $18.77M
#2012 of 2508 Bottom 19.8% in <100M tier
1929
Deposit Growth Rate
growth
Value: -3.91%
Peer Median: 0.66%
#1929 of 2508 Bottom 23.1% in <100M tier
1903
Asset Growth Rate
growth
Value: -2.67%
Peer Median: 1.30%
#1903 of 2508 Bottom 24.2% in <100M tier
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