BlastPoint's Credit Union Scorecard

TUCSON

Charter #2157 · AZ

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 5 in AZ

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TUCSON has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market 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 18.3% in tier
+ ROA 0.09% above tier average
+ Net Interest Margin 0.46% above tier average
+ Share Certificate Concentration (%): Top 2.7% in tier
+ Asset Growth Rate: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 3.8% in tier
- Credit Quality Pressure: Bottom 6.5% in tier
- Margin Compression: Bottom 38.4% in tier
- Credit Risk Growth: Bottom 75.3% in tier
- Delinquency rate 0.57% above tier average
- Total Deposits: Bottom 0.7% in tier
- Net Charge-Off Rate: Bottom 1.0% in tier
- Total Assets: Bottom 2.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Arizona.
Shares and deposits +11.9% year over year ($770M in shares and deposits).
Membership: 52,077 members, +0.4% vs a year ago.
Delinquency rate 1.43%.
Return on assets 0.91%.
Efficiency ratio 67.16% vs a 73.02% peer average.
Loan-to-share ratio 62.73% vs a 84.71% 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	52,077 +0.4% YoY+0.0% QoQ	-44.8K	96,861 -1.9% YoY	62,580 +4.2% YoY	34,678 +6.6% YoY	Bottom 8.7% in tier
Assets	$1.0B +20.0% YoY+4.6% QoQ	$-708.5M	$1.7B +0.4% YoY	$1.1B +8.8% YoY	$593.1M +10.2% YoY	Bottom 1.7% in tier
Loans	$482.7M +1.8% YoY+0.4% QoQ	$-751.5M	$1.2B +0.7% YoY	$693.0M +9.0% YoY	$418.6M +10.1% YoY	Bottom 2.7% in tier
Deposits	$769.5M +11.9% YoY+1.9% QoQ	$-693.8M	$1.5B +0.5% YoY	$946.4M +8.0% YoY	$504.8M +10.3% YoY	Bottom 0.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -45.0% YoY+84.8% QoQ	+0.1%	0.8% +27.6% YoY	0.9% +15.7% YoY	1.2% +121.4% YoY	65%
NIM	3.9% -11.3% YoY-1.1% QoQ	+0.5%	3.4% +6.6% YoY	4.0% +1.6% YoY	3.8% +2.3% YoY	78%
Efficiency Ratio	67.2% +12.9% YoY-2.6% QoQ	-5.9%	73.0% -2.7% YoY	75.7% -0.5% YoY	83.0% -5.3% YoY	24%
Delinquency Rate	1.4% +48.1% YoY+20.2% QoQ	+0.6	0.9% +7.3% YoY	0.9% +18.9% YoY	1.3% +2.6% YoY	Bottom 14.0% in tier
Loan To Share	62.7% -9.0% YoY-1.5% QoQ	-22.0%	84.7% +0.1% YoY	69.6% -1.2% YoY	66.4% -1.4% YoY	Bottom 10.3% in tier
AMR	$24,046 +7.4% YoY+1.3% QoQ	$-6K	$29,575 +1.5% YoY	$19,787 +3.1% YoY	$20,028 -0.9% YoY	24%
CD Concentration	11.2% +0.9% YoY+3.8% QoQ	-17.9%	29.1%	17.9%	20.0%	Bottom 2.7% in tier
Indirect Auto %	13.8% -9.2% YoY-2.2% QoQ	-4.2%	18.1%	21.3%	7.7%	45%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#68 of 125 • Top 18.3% in tier

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

Why This Signature

AMR Growth (YoY): 7.37%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank improving

Concerns (4)

Credit Quality Pressure

risk

#24 of 215 • Bottom 6.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.46% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Margin Compression

decline

#8 of 20 • Bottom 38.4% 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: 0.91%

(Tier: 0.84%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.66%

(Tier: 0.66%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.75% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

20 of 377 Mid-Market CUs have this signature | 167 nationally

→ Stable (22→20 CUs) -2 CUs YoY

Cost Spiral

risk

#4 of 8 • Bottom 3.8% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.66% points

(Tier: -1.92% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 59.50%

(Tier: 74.29%, National: 86.72%)

but better than tier avg

8 of 377 Mid-Market CUs have this signature | 106 nationally

↓ Shrinking -12 CUs YoY | New qualifier

Credit Risk Growth

risk

#86 of 170 • Bottom 75.3% in tier

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

Why This Signature

Loan Growth (YoY): 1.81%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.46% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 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 300 peers in tier

Top Strengths (7 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 11.23%

Peer Median: 28.24%

#9 of 300 Top 2.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 19.96%

Peer Median: 5.21%

#10 of 300 Top 3.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 11.93%

Peer Median: 4.79%

#33 of 300 Top 10.7% in 1B-3B tier

Fee Income Per Member

profitability

Value: $305.71

Peer Median: $204.73

#42 of 300 Top 13.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.37%

Peer Median: 3.19%

#58 of 300 Top 19.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.89%

Peer Median: 3.46%

#65 of 300 Top 21.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 67.16%

Peer Median: 73.62%

#72 of 300 Top 23.7% in 1B-3B tier

Top Weaknesses (10 metrics)

299

Total Deposits

balance_sheet

Value: $769.54M

Peer Median: $1.30B

#299 of 300 Bottom 0.7% in 1B-3B tier

298

Net Charge-Off Rate

risk

Value: 2.18%

Peer Median: 0.52%

#298 of 300 Bottom 1.0% in 1B-3B tier

295

Total Assets

balance_sheet

Value: $1.02B

Peer Median: $1.51B

#295 of 300 Bottom 2.0% in 1B-3B tier

292

Total Loans

balance_sheet

Value: $482.70M

Peer Median: $1.14B

#292 of 300 Bottom 3.0% in 1B-3B tier

274

Total Members

engagement

Value: 52,077

Peer Median: 86,516

#274 of 300 Bottom 9.0% in 1B-3B tier

273

Loan-to-Member Ratio (LMR)

engagement

Value: $9,269

Peer Median: $12,809

#273 of 300 Bottom 9.3% in 1B-3B tier

269

Loan-to-Share Ratio

balance_sheet

Value: 62.73%

Peer Median: 87.07%

#269 of 300 Bottom 10.7% in 1B-3B tier

259

Total Delinquency Rate (60+ days)

risk

Value: 1.43%

Peer Median: 0.70%

#259 of 300 Bottom 14.0% in 1B-3B tier

259

Members Per Employee (MPE)

engagement

Value: 275.540

Peer Median: 346.173

#259 of 300 Bottom 14.0% in 1B-3B tier

227

Average Member Relationship (AMR)

engagement

Value: $24,046

Peer Median: $28,089

#227 of 300 Bottom 24.7% in 1B-3B tier