BlastPoint's Credit Union Scorecard
WINSLOW SCHOOL EMPLOYEES
Charter #11459 · AZ
WINSLOW SCHOOL EMPLOYEES has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% 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 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.62% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Loan Growth Rate: Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 5.0% in tier
- - Fee Income Per Member: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
555
-2.1% YoY-0.2% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
15% |
| Assets |
$5.1M
-2.3% YoY+0.2% QoQ
|
$-25.1M |
$30.1M
+2.1% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$3.4M
-22.9% YoY-3.9% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$4.1M
-3.7% YoY-0.0% QoQ
|
$-21.6M |
$25.7M
+1.4% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
20% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+42.6% YoY+3.0% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
3.7%
-2.8% YoY+2.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
88.2%
+1.4% YoY-1.2% QoQ
|
+5.6% |
82.6%
-2.3% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
81.8%
-20.0% YoY-3.9% QoQ
|
+21.2% |
60.6%
-3.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$13,548
-11.6% YoY-1.6% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 22.5% | 7.8% | 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)