BlastPoint's Credit Union Scorecard

BANNER

Charter #11680 · AZ

2556 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 0.36% above tier average
+ Total Members: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.7% YoY
- Indirect Auto Concentration (%): Bottom 3.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	6,751 -2.7% YoY-1.1% QoQ	+4.1K	2,615 -1.9% YoY	61,128 +6.4% YoY	33,374 +5.7% YoY	Top 6.3% in tier
Assets	$64.8M +1.7% YoY+0.4% QoQ	+$34.7M	$30.1M +2.1% YoY	$1.0B +13.9% YoY	$561.6M +9.7% YoY	Top 14.9% in tier
Loans	$24.5M -6.1% YoY-4.8% QoQ	+$8.8M	$15.8M -1.3% YoY	$668.7M +14.2% YoY	$397.0M +8.8% YoY	76%
Deposits	$56.2M -0.5% YoY+0.3% QoQ	+$30.5M	$25.7M +1.4% YoY	$919.7M +13.3% YoY	$477.3M +9.7% YoY	Top 14.4% 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% +78.1% YoY+2.4% QoQ	+0.4%	0.6% +10.8% YoY	0.7% +37.2% YoY	0.7% +15.9% YoY	65%
NIM	3.8% +11.0% YoY+2.3% QoQ	-0.2%	4.0% +4.0% YoY	4.0% +4.9% YoY	3.8% +5.1% YoY	45%
Efficiency Ratio	78.3% -5.5% YoY-0.0% QoQ	-4.3%	82.6% -2.3% YoY	75.5% -2.7% YoY	79.7% -3.3% YoY	47%
Delinquency Rate	0.6% -52.8% YoY-3.1% QoQ	-1.0	1.6% -3.1% YoY	1.0% +13.7% YoY	1.3% -2.1% YoY	45%
Loan To Share	43.6% -5.6% YoY-5.1% QoQ	-17.0%	60.6% -3.1% YoY	70.1% -3.4% YoY	67.4% -1.7% YoY	24%
AMR	$11,963 +0.4% YoY-0.3% QoQ	$-3K	$14,783 -1.4% YoY	$19,516 +4.9% YoY	$19,687 +2.0% YoY	39%
CD Concentration	8.1% +64.9% YoY+4.3% QoQ	-16.3%	24.4%	17.2%	19.8%	50%
Indirect Auto %	31.6% -4.4% YoY-1.6% QoQ	+17.8%	13.8%	22.5%	7.8%	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 2556 peers in tier

Top Strengths (6 metrics)

161

Total Members

engagement

Value: 6,751

Peer Median: -

#161 of 2556 Top 6.3% in <100M tier

362

Fee Income Per Member

profitability

Value: $151.90

Peer Median: -

#362 of 2556 Top 14.1% in <100M tier

369

Total Deposits

balance_sheet

Value: $56.23M

Peer Median: -

#369 of 2556 Top 14.4% in <100M tier

380

Total Assets

balance_sheet

Value: $64.80M

Peer Median: -

#380 of 2556 Top 14.8% in <100M tier

525

Members Per Employee (MPE)

engagement

Value: 450.067

Peer Median: -

#525 of 2556 Top 20.5% in <100M tier

604

Total Loans

balance_sheet

Value: $24.54M

Peer Median: -

#604 of 2556 Top 23.6% in <100M tier

Top Weaknesses (2 metrics)

2460

Indirect Auto Concentration (%)

balance_sheet

Value: 31.55%

Peer Median: -

#2460 of 2556 Bottom 3.8% in <100M tier

1940

Loan-to-Share Ratio

balance_sheet

Value: 43.63%

Peer Median: -

#1940 of 2556 Bottom 24.1% in <100M tier