TUCSON

Charter #2157 | AZ

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in AZ

TUCSON has 8 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 4.0% in tier
  • + Relationship Depth Leader: Top 5.4% 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
  • - Growth-at-Risk: 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
 50th in tier
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
 57th in tier
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
 33rd in tier
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
 Top 21.4% in tier
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
 Bottom 18.8% in tier
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
 33rd in tier
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%
-5.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 62nd in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#110 of 1006 • Top 4.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 10.50%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#150 of 1006 • Top 5.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 10.50%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (6)

Stagnation Risk

risk
#58 of 550 • Bottom 3.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.58%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.64%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.7K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 11.29%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Margin Compression

decline
#45 of 136 • Bottom 10.5% in tier

Strong profitability track record but margins eroding. 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 Change (YoY): -0.14% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $875.51M
(Tier: $859.01M, National: $547.69M)
but better 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: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -2.64%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 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
736 of 281 Community CUs have this signature | 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
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Growth-at-Risk

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: 3.64%, 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
446 of 281 Community CUs have this signature | 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)

Comparing against 112 peers in tier

Top Strengths (8 metrics)

4
Asset Growth Rate
growth
Value: 16.90%
Peer Avg: 4.25%
#4 of 112 Top 2.7% in 750M-1B tier
6
Share Certificate Concentration (%)
balance_sheet
Value: 11.29%
Peer Avg: 28.34%
#6 of 112 Top 4.5% in 750M-1B tier
7
Return on Assets (ROA)
profitability
Value: 1.58%
Peer Avg: 0.71%
#7 of 112 Top 5.4% in 750M-1B tier
8
Net Interest Margin (NIM)
profitability
Value: 4.28%
Peer Avg: 3.38%
#8 of 112 Top 6.2% in 750M-1B tier
10
AMR Growth Rate
growth
Value: 10.50%
Peer Avg: 4.90%
#10 of 112 Top 8.0% in 750M-1B tier
11
Efficiency Ratio
profitability
Value: 59.38%
Peer Avg: 74.52%
#11 of 112 Top 8.9% in 750M-1B tier
15
Deposit Growth Rate
growth
Value: 9.63%
Peer Avg: 5.03%
#15 of 112 Top 12.5% in 750M-1B tier
17
Fee Income Per Member
profitability
Value: $285.36
Peer Avg: $204.75
#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: 0.61%
#105 of 112 Bottom 7.1% in 750M-1B tier
96
Total Loans
balance_sheet
Value: $478.83M
Peer Avg: $603.36M
#96 of 112 Bottom 15.2% in 750M-1B tier
94
Member Growth Rate
growth
Value: -2.64%
Peer Avg: 1.14%
#94 of 112 Bottom 17.0% in 750M-1B tier
91
Loan-to-Share Ratio
balance_sheet
Value: 68.31%
Peer Avg: 82.66%
#91 of 112 Bottom 19.6% in 750M-1B tier
89
Total Delinquency Rate (60+ days)
risk
Value: 1.22%
Peer Avg: 0.82%
#89 of 112 Bottom 21.4% in 750M-1B tier
89
Loan-to-Member Ratio (LMR)
engagement
Value: $9,196
Peer Avg: $12,810
#89 of 112 Bottom 21.4% in 750M-1B tier