BlastPoint's Credit Union Scorecard
MOHAVE COMMUNITY
Charter #12000 · AZ
MOHAVE COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Net Interest Margin 1.06% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.03% above tier average
- - Member decline: -2.7% YoY
- - Indirect Auto Concentration (%): Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,305
-2.7% YoY-0.5% QoQ
|
+2.7K |
2,615
-1.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
Top 12.1% in tier |
| Assets |
$60.2M
+4.1% YoY-0.9% QoQ
|
+$30.0M |
$30.1M
+2.1% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$33.5M
-5.8% YoY-1.1% QoQ
|
+$17.8M |
$15.8M
-1.3% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
Top 14.9% in tier |
| Deposits |
$52.2M
+4.3% YoY-2.2% QoQ
|
+$26.5M |
$25.7M
+1.4% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.7%
-50.7% YoY-30.5% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
5.0%
-4.0% YoY-0.2% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 14.4% in tier |
| Efficiency Ratio |
59.9%
-1.9% YoY+0.9% QoQ
|
-22.7% |
82.6%
-2.3% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate |
3.6%
+40.1% YoY+36.9% QoQ
|
+2.0 |
1.6%
-3.1% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
Top 10.2% in tier |
| Loan To Share |
64.3%
-9.6% YoY+1.2% QoQ
|
+3.7% |
60.6%
-3.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$16,151
+2.9% YoY-1.3% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
9.1%
+56.1% YoY+3.5% QoQ
|
-15.3% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % |
56.3%
-9.3% YoY-2.8% QoQ
|
+42.5% | 13.8% | 22.5% | 7.8% | 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)