BlastPoint's Credit Union Scorecard
U-HAUL
Charter #15847 · AZ
U-HAUL has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.89% above tier average
- + Members Per Employee (MPE): Top 1.2% in tier
- + Net Charge-Off Rate: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.92% below tier average
- - Delinquency rate 5.59% above tier average
- - Average Member Relationship (AMR): Bottom 2.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- - Loan Growth Rate: Bottom 4.5% in tier
- - AMR Growth Rate: Bottom 5.4% 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 -5.3% year over year ($5.9M in shares and deposits).
- Membership: 3,785 members, +1.4% vs a year ago.
- Delinquency rate 7.14%.
- Return on assets 0.57%.
- Efficiency ratio 87.92% vs a 88.77% peer average.
- Loan-to-share ratio 36.76% 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 |
3,785
+1.4% YoY0% QoQ
|
+1.2K |
2,585
-1.7% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$6.6M
-4.3% YoY-2.0% QoQ
|
$-23.7M |
$30.3M
+1.5% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$2.2M
-23.9% YoY-4.8% QoQ
|
$-13.3M |
$15.5M
-1.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$5.9M
-5.3% YoY-2.0% QoQ
|
$-19.9M |
$25.8M
+1.1% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.6%
-284.7% YoY-13.4% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
4.8%
-2.1% YoY-0.2% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
87.9%
-6.1% YoY+1.6% QoQ
|
-0.8% |
88.8%
-6.9% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
7.1%
+230.1% YoY+52.6% QoQ
|
+5.6 |
1.5%
+2.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.8% in tier |
| Loan To Share |
36.8%
-19.7% YoY-2.8% QoQ
|
-22.1% |
58.9%
-3.1% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$2,120
-12.3% YoY-2.8% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.8% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)