BlastPoint's Credit Union Scorecard

BANNER

Charter #11680 · AZ

<100M

2508 CUs in <100M nationally 12 in AZ

BANNER has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.18% above tier average
+ Total Members: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.7% YoY
- Indirect Auto Concentration (%): Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	6,624 -3.7% YoY-1.9% QoQ	+3.9K	2,676 +1.6% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	Top 6.4% in tier
Assets	$65.4M -0.9% YoY+1.0% QoQ	+$35.2M	$30.2M +1.3% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	Top 14.4% in tier
Loans	$23.4M -7.7% YoY-4.5% QoQ	+$8.1M	$15.3M -2.0% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	76%
Deposits	$56.7M -2.8% YoY+0.9% QoQ	+$31.0M	$25.8M +0.7% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	Top 14.1% in tier

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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	0.3% -50.4% YoY-66.8% QoQ	+0.2%	0.1% -77.6% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	36%
NIM	3.8% +6.8% YoY-0.2% QoQ	-0.2%	4.0% +4.0% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	47%
Efficiency Ratio	88.8% -0.2% YoY+13.5% QoQ	-1.8%	90.6% +6.5% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	0.5% -20.7% YoY-9.1% QoQ	-1.0	1.5% +3.8% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	46%
Loan To Share	41.3% -5.1% YoY-5.4% QoQ	-17.2%	58.5% -3.0% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	23%
AMR	$12,104 -0.6% YoY+1.2% QoQ	$-3K	$14,884 -1.7% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	39%
CD Concentration	8.9% +46.9% YoY+9.4% QoQ	-15.4%	24.3%	17.3%	19.8%	50%
Indirect Auto %	29.9% -10.6% YoY-5.1% QoQ	+16.1%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

161

Total Members

engagement

Value: 6,624

Peer Median: 1,918

#161 of 2508 Top 6.4% in <100M tier

353

Total Deposits

balance_sheet

Value: $56.75M

Peer Median: $18.77M

#353 of 2508 Top 14.0% in <100M tier

360

Total Assets

balance_sheet

Value: $65.43M

Peer Median: $21.86M

#360 of 2508 Top 14.3% in <100M tier

438

Members Per Employee (MPE)

engagement

Value: 473.143

Peer Median: 333.750

#438 of 2508 Top 17.4% in <100M tier

553

Fee Income Per Member

profitability

Value: $117.22

Peer Median: $60.42

#553 of 2508 Top 22.0% in <100M tier

598

Total Loans

balance_sheet

Value: $23.43M

Peer Median: $9.48M

#598 of 2508 Top 23.8% in <100M tier

Top Weaknesses (2 metrics)

2414

Indirect Auto Concentration (%)

balance_sheet

Value: 29.93%

Peer Median: 0.00%

#2414 of 2508 Bottom 3.8% in <100M tier

1923

Loan-to-Share Ratio

balance_sheet

Value: 41.29%

Peer Median: 58.72%

#1923 of 2508 Bottom 23.4% in <100M tier