BlastPoint's Credit Union Scorecard
RIM COUNTRY
Charter #16190 · AZ
RIM COUNTRY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.10% above tier average
- - Member decline: -2.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,039
-2.3% YoY+0.0% QoQ
|
-576 |
2,615
-1.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$25.4M
+5.5% YoY-1.3% QoQ
|
$-4.8M |
$30.1M
+2.1% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$13.9M
+5.5% YoY+1.0% QoQ
|
$-1.9M |
$15.8M
-1.3% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
59% |
| Deposits |
$22.3M
+4.8% YoY-1.7% QoQ
|
$-3.4M |
$25.7M
+1.4% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
0.8%
+27.7% YoY-14.8% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
4.3%
+7.3% YoY+0.6% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
80.7%
+10.6% YoY+3.0% QoQ
|
-1.9% |
82.6%
-2.3% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
1.7%
+140.6% YoY+36.8% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
62.4%
+0.7% YoY+2.7% QoQ
|
+1.8% |
60.6%
-3.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$17,738
+7.6% YoY-0.7% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
10.9%
+19.3% YoY+5.4% QoQ
|
-13.5% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % |
5.3%
-2.3% YoY+0.3% QoQ
|
-8.5% | 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)