BlastPoint's Credit Union Scorecard
WINSLOW SCHOOL EMPLOYEES
Charter #11459 · AZ
WINSLOW SCHOOL EMPLOYEES has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 7.87% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - AMR Growth Rate: Bottom 3.9% in tier
- - Loan Growth Rate: Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 6.9% in tier
- - Deposit Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
556
-2.1% YoY-0.7% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
15% |
| Assets |
$5.1M
-6.5% YoY-5.1% QoQ
|
$-24.8M |
$29.9M
+1.1% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$3.5M
-24.4% YoY-6.9% QoQ
|
$-12.2M |
$15.8M
-2.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$4.1M
-8.6% YoY-6.1% QoQ
|
$-21.3M |
$25.5M
+0.4% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
0.7%
+78.8% YoY-35.8% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
3.6%
-3.8% YoY+3.6% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
89.3%
+2.6% YoY+15.0% QoQ
|
+7.9% |
81.4%
-2.4% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
85.1%
-17.2% YoY-0.9% QoQ
|
+23.9% |
61.2%
-3.0% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$13,772
-14.8% YoY-5.8% QoQ
|
$-855 |
$14,627
-2.7% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
51% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
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)