BlastPoint's Credit Union Scorecard
U-HAUL
Charter #15847 · AZ
2556 CUs in <100M nationally
12 in AZ
U-HAUL has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 6.00% above tier (higher cost structure)
- - Delinquency rate 0.77% above tier average
- - Average Member Relationship (AMR): Bottom 3.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
- - AMR Growth Rate: Bottom 5.6% in tier
- - Loan Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,785
+1.4% YoY+1.7% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$6.5M
-4.0% YoY-2.0% QoQ
|
$-23.6M |
$30.1M
+2.1% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$2.6M
-18.2% YoY-6.4% QoQ
|
$-13.2M |
$15.8M
-1.3% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$5.8M
-5.1% YoY-2.7% QoQ
|
$-19.9M |
$25.7M
+1.4% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.3%
-107.5% YoY+114.4% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
5.1%
+9.6% YoY+1.9% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 11.4% in tier |
| Efficiency Ratio |
88.6%
-25.8% YoY-1.5% QoQ
|
+6.0% |
82.6%
-2.3% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
2.3%
+22.0% YoY+58.3% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
44.1%
-13.8% YoY-3.8% QoQ
|
-16.5% |
60.6%
-3.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$2,208
-10.7% YoY-5.5% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
30
Members Per Employee (MPE)
engagement
Value:
946.250
Peer Median: -
#30 of 2556
Top 1.1% in <100M tier
291
Net Interest Margin (NIM)
profitability
Value:
5.15%
Peer Median: -
#291 of 2556
Top 11.3% in <100M tier
517
Member Growth Rate
growth
Value:
1.37%
Peer Median: -
#517 of 2556
Top 20.2% in <100M tier
597
Total Members
engagement
Value:
3,785
Peer Median: -
#597 of 2556
Top 23.3% in <100M tier
Top Weaknesses (12 metrics)
2479
Average Member Relationship (AMR)
engagement
Value:
$2,208
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2446
Loan-to-Member Ratio (LMR)
engagement
Value:
$675.55
Peer Median: -
#2446 of 2556
Bottom 4.3% in <100M tier
2413
AMR Growth Rate
growth
Value:
-10.71%
Peer Median: -
#2413 of 2556
Bottom 5.6% in <100M tier
2378
Loan Growth Rate
growth
Value:
-18.16%
Peer Median: -
#2378 of 2556
Bottom 7.0% in <100M tier
2290
Net Charge-Off Rate
risk
Value:
1.37%
Peer Median: -
#2290 of 2556
Bottom 10.4% in <100M tier
2162
Net Worth Ratio
risk
Value:
9.85%
Peer Median: -
#2162 of 2556
Bottom 15.5% in <100M tier
2120
Asset Growth Rate
growth
Value:
-4.00%
Peer Median: -
#2120 of 2556
Bottom 17.1% in <100M tier
2117
Deposit Growth Rate
growth
Value:
-5.06%
Peer Median: -
#2117 of 2556
Bottom 17.2% in <100M tier
2096
Total Delinquency Rate (60+ days)
risk
Value:
2.33%
Peer Median: -
#2096 of 2556
Bottom 18.0% in <100M tier
2019
Total Loans
balance_sheet
Value:
$2.56M
Peer Median: -
#2019 of 2556
Bottom 21.0% in <100M tier