BlastPoint's Credit Union Scorecard

RIM COUNTRY

Charter #16190 ยท AZ

2596 CUs in <100M nationally 12 in AZ

RIM COUNTRY has 5 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.29% above tier average
  • + Net Interest Margin 0.35% above tier average
  • + AMR Growth Rate: Top 8.4% in tier
  • + Asset Growth Rate: Top 8.5% in tier
  • + Deposit Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -3.6% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 2,038
-3.6% YoY-0.3% QoQ
-587 2,625
-2.2% YoY
60,829
+5.9% YoY
33,089
+6.1% YoY
52%
Assets $25.7M
+9.9% YoY+2.7% QoQ
$-4.1M $29.9M
+1.1% YoY
$1.0B
+8.7% YoY
$547.7M
+7.8% YoY
55%
Loans $13.8M
+2.4% YoY-0.8% QoQ
$-2.0M $15.8M
-2.4% YoY
$651.1M
+13.2% YoY
$388.7M
+8.6% YoY
59%
Deposits $22.7M
+9.5% YoY+2.6% QoQ
$-2.8M $25.5M
+0.4% YoY
$883.8M
+10.9% YoY
$464.6M
+9.3% YoY
56%

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Tier 1
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ROA 1.0%
+84.5% YoY+1.1% QoQ
+0.3% 0.7%
-731.4% YoY
0.8%
+38.7% YoY
0.7%
+273.4% YoY
60%
NIM 4.3%
+4.3% YoY-1.1% QoQ
+0.3% 3.9%
+3.8% YoY
4.0%
+6.6% YoY
3.7%
+5.0% YoY
66%
Efficiency Ratio 78.3%
+8.8% YoY-0.6% QoQ
-3.1% 81.4%
-2.4% YoY
75.3%
-3.3% YoY
79.1%
-3.3% YoY
50%
Delinquency Rate 1.2%
+72.6% YoY+56.2% QoQ
-0.3 1.5%
-2.0% YoY
0.9%
+2.1% YoY
1.2%
-0.9% YoY
67%
Loan To Share 60.7%
-6.5% YoY-3.3% QoQ
-0.5% 61.2%
-3.0% YoY
71.1%
-3.6% YoY
68.0%
-1.7% YoY
49%
AMR $17,867
+10.7% YoY+1.6% QoQ
+$3K $14,627
-2.7% YoY
$19,058
+3.8% YoY
$19,418
+1.3% YoY
71%
CD Concentration 10.4%
+19.9% YoY+15.4% QoQ
-14.0% 24.4%
+4.2% YoY
16.8%
+14.1% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 5.3%
-1.3% YoY-1.1% QoQ
-8.7% 14.0%
-5.7% YoY
23.2%
-8.0% YoY
7.9%
-2.9% YoY
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)

Comparing against 2596 peers in tier

Top Strengths (3 metrics)

219
AMR Growth Rate
growth
Value: 10.75%
Peer Avg: -
#219 of 2596 Top 8.4% in <100M tier
222
Asset Growth Rate
growth
Value: 9.92%
Peer Avg: -
#222 of 2596 Top 8.5% in <100M tier
257
Deposit Growth Rate
growth
Value: 9.53%
Peer Avg: -
#257 of 2596 Top 9.9% in <100M tier

Top Weaknesses (3 metrics)

2305
Indirect Auto Concentration (%)
balance_sheet
Value: 5.26%
Peer Avg: -
#2305 of 2596 Bottom 11.2% in <100M tier
2124
First Mortgage Concentration (%)
balance_sheet
Value: 32.49%
Peer Avg: -
#2124 of 2596 Bottom 18.2% in <100M tier
2065
Members Per Employee (MPE)
engagement
Value: 226.444
Peer Avg: -
#2065 of 2596 Bottom 20.5% in <100M tier
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