BlastPoint's Credit Union Scorecard
MOHAVE COMMUNITY
Charter #12000 · AZ
MOHAVE COMMUNITY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.74% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Delinquency rate 0.26% above tier average
- - Member decline: -3.3% YoY
- - Indirect Auto Concentration (%): Bottom 1.1% in tier
- - Net Charge-Off Rate: Bottom 6.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 12 that size in Arizona.
- Shares and deposits +0.9% year over year ($53.9M in shares and deposits).
- Membership: 5,162 members, -3.3% vs a year ago.
- Delinquency rate 1.81%.
- Return on assets 0.92%.
- Efficiency ratio 64.64% vs a 88.77% peer average.
- Loan-to-share ratio 57.15% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,162
-3.3% YoY-2.5% QoQ
|
+2.6K |
2,585
-1.7% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
Top 12.4% in tier |
| Assets |
$61.4M
+0.9% YoY+0.2% QoQ
|
+$31.1M |
$30.3M
+1.5% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$30.8M
-8.0% YoY-5.3% QoQ
|
+$15.3M |
$15.5M
-1.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$53.9M
+0.9% YoY-0.4% QoQ
|
+$28.1M |
$25.8M
+1.1% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
0.9%
-1.8% YoY+16.1% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
4.6%
-8.1% YoY-1.4% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
64.6%
+7.9% YoY+0.6% QoQ
|
-24.1% |
88.8%
-6.9% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
1.8%
-28.0% YoY+12.6% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
57.1%
-8.8% YoY-4.9% QoQ
|
-1.7% |
58.9%
-3.1% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$16,395
+0.8% YoY+0.2% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
10.8%
+33.9% YoY+10.9% QoQ
|
-13.7% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % |
54.4%
-9.4% YoY+0.3% QoQ
|
+40.8% | 13.6% | 21.3% | 7.7% | 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)