BlastPoint's Credit Union Scorecard
U-HAUL
Charter #15847 · AZ
U-HAUL has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.12% 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 1.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 8.50% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 3.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.8% in tier
- - Loan Growth Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,723
-0.3% YoY-0.3% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$6.7M
-2.7% YoY-3.0% QoQ
|
$-23.2M |
$29.9M
+1.1% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$2.7M
-18.8% YoY-3.6% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$6.0M
-2.3% YoY-3.8% QoQ
|
$-19.5M |
$25.5M
+0.4% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
0.2%
-103.4% YoY-149.8% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
5.1%
+11.7% YoY+3.3% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
89.9%
-31.0% YoY-4.0% QoQ
|
+8.5% |
81.4%
-2.4% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.5%
-52.6% YoY-31.9% QoQ
|
-0.0 |
1.5%
-2.0% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
45.8%
-16.9% YoY+0.1% QoQ
|
-15.4% |
61.2%
-3.0% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$2,335
-7.9% YoY-3.5% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
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)