BlastPoint's Credit Union Scorecard

TUCSON

Charter #2157 · AZ

Community 750M-1B

112 CUs in 750M-1B nationally 2 in AZ

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TUCSON has 8 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 22.7% in tier
+ Profitability Leader: Top 36.0% in tier
+ ROA 0.87% above tier average
+ Net Interest Margin 0.91% above tier average
+ Asset Growth Rate: Top 2.7% in tier
+ Share Certificate Concentration (%): Top 4.5% in tier
+ AMR Growth Rate: Top 8.0% in tier
+ Efficiency Ratio: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 3.5% in tier
- Margin Compression: Bottom 10.5% in tier
- Indirect Auto Dependency: Bottom 11.9% in tier
- Credit Quality Pressure: Bottom 14.1% in tier
- Membership Headwinds: Bottom 15.9% in tier
- Credit Risk Growth: Bottom 17.5% in tier
- Delinquency rate 0.40% above tier average
- Member decline: -2.6% YoY
- Net Charge-Off 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	52,070 -2.6% YoY+0.4% QoQ	-44	52,114 -2.1% YoY	60,829 +5.9% YoY	33,089 +6.1% YoY	50%
Assets	$875.5M +16.9% YoY+3.4% QoQ	+$16.5M	$859.0M +0.0% YoY	$1.0B +8.7% YoY	$547.7M +7.8% YoY	57%
Loans	$478.8M +4.7% YoY+1.0% QoQ	$-124.5M	$603.4M +1.0% YoY	$651.1M +13.2% YoY	$388.7M +8.6% YoY	Bottom 14.3% in tier
Deposits	$700.9M +9.6% YoY+2.0% QoQ	$-33.2M	$734.2M +0.9% YoY	$883.8M +10.9% YoY	$464.6M +9.3% YoY	33%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% -7.9% YoY-4.9% QoQ	+0.9%	0.7% +27.6% YoY	0.8% +38.7% YoY	0.7% +273.4% YoY	Top 6.2% in tier
NIM	4.3% +0.7% YoY-2.3% QoQ	+0.9%	3.4% +9.6% YoY	4.0% +6.6% YoY	3.7% +5.0% YoY	Top 7.1% in tier
Efficiency Ratio	59.4% -0.4% YoY-0.2% QoQ	-15.1%	74.5% -3.2% YoY	75.3% -3.3% YoY	79.1% -3.3% YoY	Bottom 8.9% in tier
Delinquency Rate	1.2% +20.4% YoY+26.6% QoQ	+0.4	0.8% +5.0% YoY	0.9% +2.1% YoY	1.2% -0.9% YoY	79%
Loan To Share	68.3% -4.5% YoY-0.9% QoQ	-14.3%	82.7% +0.1% YoY	71.1% -3.6% YoY	68.0% -1.7% YoY	19%
AMR	$22,657 +10.5% YoY+1.2% QoQ	$-6K	$28,651 +2.5% YoY	$19,058 +3.8% YoY	$19,418 +1.3% YoY	33%
CD Concentration	11.3% +0.7% YoY+1.4% QoQ	-13.1%	24.4% +4.2% YoY	16.8% +14.1% YoY	19.6% +6.2% YoY	Bottom 10.6% in tier
Indirect Auto %	15.1% +18.1% YoY-0.8% QoQ	+1.2%	14.0% -5.7% YoY	23.2% -8.0% YoY	7.9% -2.9% YoY	62%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#110 of 481 • Top 22.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.50%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Profitability Leader

growth

#123 of 340 • Top 36.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.58%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (6)

Stagnation Risk

risk

#58 of 550 • Bottom 3.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 4.71%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.22%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Margin Compression

decline

#45 of 136 • Bottom 10.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.58%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.71%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 281 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#192 of 525 • Bottom 11.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 16.90%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 15.13%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -2.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Credit Quality Pressure

risk

#349 of 736 • Bottom 14.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Membership Headwinds

decline

#263 of 550 • Bottom 15.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Risk Growth

risk

#263 of 446 • Bottom 17.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.71%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

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)

Compare against:

Comparing against 112 peers in tier

Top Strengths (8 metrics)

Asset Growth Rate

growth

Value: 16.90%

Peer Avg: -

#4 of 112 Top 2.7% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 11.29%

Peer Avg: -

#6 of 112 Top 4.5% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.58%

Peer Avg: -

#7 of 112 Top 5.4% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 4.28%

Peer Avg: -

#8 of 112 Top 6.2% in 750M-1B tier

AMR Growth Rate

growth

Value: 10.50%

Peer Avg: -

#10 of 112 Top 8.0% in 750M-1B tier

Efficiency Ratio

profitability

Value: 59.38%

Peer Avg: -

#11 of 112 Top 8.9% in 750M-1B tier

Deposit Growth Rate

growth

Value: 9.63%

Peer Avg: -

#15 of 112 Top 12.5% in 750M-1B tier

Fee Income Per Member

profitability

Value: $285.36

Peer Avg: -

#17 of 112 Top 14.3% in 750M-1B tier

Top Weaknesses (6 metrics)

105

Net Charge-Off Rate

risk

Value: 1.56%

Peer Avg: -

#105 of 112 Bottom 7.1% in 750M-1B tier

Total Loans

balance_sheet

Value: $478.83M

Peer Avg: -

#96 of 112 Bottom 15.2% in 750M-1B tier

Member Growth Rate

growth

Value: -2.64%

Peer Avg: -

#94 of 112 Bottom 17.0% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 68.31%

Peer Avg: -

#91 of 112 Bottom 19.6% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.22%

Peer Avg: -

#89 of 112 Bottom 21.4% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $9,196

Peer Avg: -

#89 of 112 Bottom 21.4% in 750M-1B tier