BlastPoint's Credit Union Scorecard
U-HAUL
Charter #15847 · AZ
<100M
2508 CUs in <100M nationally
12 in AZ
U-HAUL has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Net Interest Margin 0.79% above tier average
- + Members Per Employee (MPE): Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.17% above tier average
- - Average Member Relationship (AMR): Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
- - Loan Growth Rate: Bottom 6.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.4% in tier
- - AMR Growth Rate: Bottom 7.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,785
+0.3% YoY0% QoQ
|
+1.1K |
2,676
+1.6% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$6.7M
-3.6% YoY+2.8% QoQ
|
$-23.5M |
$30.2M
+1.3% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$2.3M
-20.0% YoY-11.4% QoQ
|
$-13.0M |
$15.3M
-2.0% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$6.0M
-4.9% YoY+3.3% QoQ
|
$-19.8M |
$25.8M
+0.7% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.7%
-153.9% YoY+99.5% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
52% |
| NIM |
4.8%
+2.3% YoY-6.8% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
Top 14.9% in tier |
| Efficiency Ratio |
86.6%
-13.6% YoY-2.3% QoQ
|
-4.1% |
90.6%
+6.5% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
4.7%
+269.4% YoY+100.7% QoQ
|
+3.2 |
1.5%
+3.8% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.4% in tier |
| Loan To Share |
37.8%
-15.8% YoY-14.3% QoQ
|
-20.7% |
58.5%
-3.0% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
19% |
| AMR |
$2,181
-9.8% YoY-1.2% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 17.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
33
Members Per Employee (MPE)
engagement
Value:
946.250
Peer Median: 333.750
#33 of 2508
Top 1.3% in <100M tier
374
Net Interest Margin (NIM)
profitability
Value:
4.80%
Peer Median: 3.83%
#374 of 2508
Top 14.9% in <100M tier
575
Total Members
engagement
Value:
3,785
Peer Median: 1,918
#575 of 2508
Top 22.9% in <100M tier
Top Weaknesses (12 metrics)
2428
Average Member Relationship (AMR)
engagement
Value:
$2,181
Peer Median: $13,926
#2428 of 2508
Bottom 3.2% in <100M tier
2412
Net Charge-Off Rate
risk
Value:
3.19%
Peer Median: 0.07%
#2412 of 2508
Bottom 3.9% in <100M tier
2400
Loan-to-Member Ratio (LMR)
engagement
Value:
$598.40
Peer Median: $4,923
#2400 of 2508
Bottom 4.3% in <100M tier
2353
Loan Growth Rate
growth
Value:
-19.96%
Peer Median: -2.36%
#2353 of 2508
Bottom 6.2% in <100M tier
2348
Total Delinquency Rate (60+ days)
risk
Value:
4.68%
Peer Median: 0.65%
#2348 of 2508
Bottom 6.4% in <100M tier
2324
AMR Growth Rate
growth
Value:
-9.83%
Peer Median: 1.27%
#2324 of 2508
Bottom 7.4% in <100M tier
2123
Net Worth Ratio
risk
Value:
9.74%
Peer Median: 14.28%
#2123 of 2508
Bottom 15.4% in <100M tier
2049
Deposit Growth Rate
growth
Value:
-4.94%
Peer Median: 0.66%
#2049 of 2508
Bottom 18.3% in <100M tier
2023
Total Loans
balance_sheet
Value:
$2.26M
Peer Median: $9.48M
#2023 of 2508
Bottom 19.4% in <100M tier
2022
Loan-to-Share Ratio
balance_sheet
Value:
37.80%
Peer Median: 58.72%
#2022 of 2508
Bottom 19.4% in <100M tier