BlastPoint's Credit Union Scorecard
TUCSON
Charter #2157 · AZ
TUCSON has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 6.2% in tier
- + Net Interest Margin 0.48% above tier average
- + Asset Growth Rate: Top 2.6% in tier
- + Share Certificate Concentration (%): Top 3.4% in tier
- + Deposit Growth Rate: Top 6.0% in tier
- + AMR Growth Rate: Top 7.7% in tier
- + Total Assets: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.6% in tier
- - Credit Risk Growth: Bottom 48.7% in tier
- - Stagnation Risk: Bottom 73.9% in tier
- - Membership Headwinds: Bottom 73.9% in tier
- - ROA 0.27% below tier average
- - Delinquency rate 0.51% above tier average
- - Member decline: -2.0% YoY
- - Net Charge-Off Rate: Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52,073
-2.0% YoY+0.1% QoQ
|
+572 |
51,500
+0.7% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$971.4M
+22.9% YoY+5.0% QoQ
|
+$105.8M |
$865.6M
+0.9% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
Top 9.4% in tier |
| Loans |
$480.7M
+3.4% YoY-0.9% QoQ
|
$-114.5M |
$595.3M
+1.6% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.8% in tier |
| Deposits |
$754.9M
+14.6% YoY+1.1% QoQ
|
+$12.7M |
$742.2M
+0.6% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
59% |
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| ROA |
0.5%
-64.1% YoY-66.3% QoQ
|
-0.3% |
0.8%
+45.0% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
37% |
| NIM |
3.9%
-12.5% YoY-5.1% QoQ
|
+0.5% |
3.5%
+6.1% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
69.0%
+12.2% YoY+16.1% QoQ
|
-6.6% |
75.5%
-3.4% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
23% |
| Delinquency Rate |
1.2%
+54.0% YoY-19.5% QoQ
|
+0.5 |
0.7%
-0.1% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.7% in tier |
| Loan To Share |
63.7%
-9.8% YoY-2.0% QoQ
|
-16.9% |
80.6%
+0.7% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.5% in tier |
| AMR |
$23,729
+12.2% YoY+0.2% QoQ
|
$-5K |
$28,908
+0.7% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
34% |
| CD Concentration |
10.8%
-4.4% YoY+2.2% QoQ
|
-13.5% | 24.3% | 17.3% | 19.8% | Bottom 9.7% in tier |
| Indirect Auto % |
14.2%
-0.7% YoY-2.7% QoQ
|
+0.4% | 13.8% | 21.9% | 7.7% | 61% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)