BlastPoint's Credit Union Scorecard

MOHAVE COMMUNITY

Charter #12000 · AZ

<100M

2508 CUs in <100M nationally 12 in AZ

MOHAVE COMMUNITY 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 0.65% above tier average
+ Net Interest Margin 0.70% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.10% above tier average
- Indirect Auto Concentration (%): Bottom 1.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	5,292 -2.0% YoY-0.2% QoQ	+2.6K	2,676 +1.6% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	Top 11.6% in tier
Assets	$61.3M +2.3% YoY+1.8% QoQ	+$31.1M	$30.2M +1.3% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	83%
Loans	$32.5M -5.1% YoY-3.1% QoQ	+$17.2M	$15.3M -2.0% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	Top 14.8% in tier
Deposits	$54.1M +2.2% YoY+3.7% QoQ	+$28.3M	$25.8M +0.7% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	84%

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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	0.8% +16.0% YoY+20.1% QoQ	+0.6%	0.1% -77.6% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	59%
NIM	4.7% -9.0% YoY-6.1% QoQ	+0.7%	4.0% +4.0% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	64.3% +5.2% YoY+7.4% QoQ	-26.3%	90.6% +6.5% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	17%
Delinquency Rate	1.6% -19.6% YoY-55.2% QoQ	+0.1	1.5% +3.8% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	76%
Loan To Share	60.1% -7.1% YoY-6.5% QoQ	+1.6%	58.5% -3.0% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	52%
AMR	$16,360 +1.3% YoY+1.3% QoQ	+$1K	$14,884 -1.7% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	62%
CD Concentration	9.7% +40.0% YoY+6.7% QoQ	-14.5%	24.3%	17.3%	19.8%	50%
Indirect Auto %	54.2% -10.2% YoY-3.7% QoQ	+40.4%	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 (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

292

Total Members

engagement

Value: 5,292

Peer Median: 1,918

#292 of 2508 Top 11.6% in <100M tier

371

Total Loans

balance_sheet

Value: $32.50M

Peer Median: $9.48M

#371 of 2508 Top 14.8% in <100M tier

397

Total Deposits

balance_sheet

Value: $54.08M

Peer Median: $18.77M

#397 of 2508 Top 15.8% in <100M tier

419

Total Assets

balance_sheet

Value: $61.27M

Peer Median: $21.86M

#419 of 2508 Top 16.7% in <100M tier

422

Efficiency Ratio

profitability

Value: 64.29%

Peer Median: 81.45%

#422 of 2508 Top 16.8% in <100M tier

438

Net Interest Margin (NIM)

profitability

Value: 4.70%

Peer Median: 3.83%

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

Top Weaknesses (3 metrics)

2480

Indirect Auto Concentration (%)

balance_sheet

Value: 54.20%

Peer Median: 0.00%

#2480 of 2508 Bottom 1.2% in <100M tier

2258

Net Charge-Off Rate

risk

Value: 1.37%

Peer Median: 0.07%

#2258 of 2508 Bottom 10.0% in <100M tier

1908

Total Delinquency Rate (60+ days)

risk

Value: 1.61%

Peer Median: 0.65%

#1908 of 2508 Bottom 24.0% in <100M tier