BlastPoint's Credit Union Scorecard

BANNER

Charter #11680 · AZ

2596 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 0.28% above tier average
+ Total Members: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.7% YoY
- Indirect Auto Concentration (%): Bottom 3.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	6,824 -2.7% YoY-0.4% QoQ	+4.2K	2,625 -2.2% YoY	60,829 +5.9% YoY	33,089 +6.1% YoY	Top 6.4% in tier
Assets	$64.5M +1.5% YoY-2.7% QoQ	+$34.7M	$29.9M +1.1% YoY	$1.0B +8.7% YoY	$547.7M +7.8% YoY	Top 14.8% in tier
Loans	$25.8M -4.5% YoY+1.0% QoQ	+$10.0M	$15.8M -2.4% YoY	$651.1M +13.2% YoY	$388.7M +8.6% YoY	78%
Deposits	$56.1M -0.0% YoY-4.0% QoQ	+$30.6M	$25.5M +0.4% YoY	$883.8M +10.9% YoY	$464.6M +9.3% YoY	Top 14.3% 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	1.0% +35.4% YoY+20.7% QoQ	+0.3%	0.7% -731.4% YoY	0.8% +38.7% YoY	0.7% +273.4% YoY	60%
NIM	3.7% +10.8% YoY+3.3% QoQ	-0.2%	3.9% +3.8% YoY	4.0% +6.6% YoY	3.7% +5.0% YoY	42%
Efficiency Ratio	78.3% -2.6% YoY-2.9% QoQ	-3.1%	81.4% -2.4% YoY	75.3% -3.3% YoY	79.1% -3.3% YoY	50%
Delinquency Rate	0.6% -11.6% YoY-19.3% QoQ	-0.9	1.5% -2.0% YoY	0.9% +2.1% YoY	1.2% -0.9% YoY	48%
Loan To Share	46.0% -4.5% YoY+5.2% QoQ	-15.3%	61.2% -3.0% YoY	71.1% -3.6% YoY	68.0% -1.7% YoY	27%
AMR	$11,996 +1.3% YoY-2.1% QoQ	$-3K	$14,627 -2.7% YoY	$19,058 +3.8% YoY	$19,418 +1.3% YoY	40%
CD Concentration	7.8% +122.5% YoY+6.2% QoQ	-16.6%	24.4% +4.2% YoY	16.8% +14.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	32.1% -3.3% YoY-2.9% QoQ	+18.1%	14.0% -5.7% YoY	23.2% -8.0% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (6 metrics)

167

Total Members

engagement

Value: 6,824

Peer Avg: -

#167 of 2596 Top 6.4% in <100M tier

356

Fee Income Per Member

profitability

Value: $153.48

Peer Avg: -

#356 of 2596 Top 13.7% in <100M tier

370

Total Deposits

balance_sheet

Value: $56.08M

Peer Avg: -

#370 of 2596 Top 14.2% in <100M tier

383

Total Assets

balance_sheet

Value: $64.53M

Peer Avg: -

#383 of 2596 Top 14.7% in <100M tier

425

Members Per Employee (MPE)

engagement

Value: 487.429

Peer Avg: -

#425 of 2596 Top 16.3% in <100M tier

578

Total Loans

balance_sheet

Value: $25.78M

Peer Avg: -

#578 of 2596 Top 22.2% in <100M tier

Top Weaknesses (1 metrics)

2497

Indirect Auto Concentration (%)

balance_sheet

Value: 32.08%

Peer Avg: -

#2497 of 2596 Bottom 3.9% in <100M tier