BlastPoint's Credit Union Scorecard
WINSLOW SCHOOL EMPLOYEES
Charter #11459 · AZ
WINSLOW SCHOOL EMPLOYEES faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Member decline: -3.2% YoY
- - Fee Income Per Member: Bottom 5.6% in tier
- - Loan Growth Rate: Bottom 8.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 12 that size in Arizona.
- Shares and deposits -4.5% year over year ($4.2M in shares and deposits).
- Membership: 542 members, -3.2% vs a year ago.
- Delinquency rate 0.06%.
- Return on assets 1.37%.
- Efficiency ratio 74.09% vs a 88.77% peer average.
- Loan-to-share ratio 73.96% vs a 58.89% 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 |
542
-3.2% YoY-1.1% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
Bottom 15.0% in tier |
| Assets |
$5.2M
-3.0% YoY+0.3% QoQ
|
$-25.1M |
$30.3M
+1.5% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$3.1M
-17.8% YoY-2.1% QoQ
|
$-12.3M |
$15.5M
-1.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$4.2M
-4.5% YoY-0.4% QoQ
|
$-21.6M |
$25.8M
+1.1% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
1.4%
+21.0% YoY+87.1% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
3.7%
+5.0% YoY+5.4% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
74.1%
-4.5% YoY-13.0% QoQ
|
-14.7% |
88.8%
-6.9% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate | 0.1% | -1.5 |
1.5%
+2.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
74.0%
-13.9% YoY-1.8% QoQ
|
+15.1% |
58.9%
-3.1% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$13,495
-7.7% YoY-0.0% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 21.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)