BlastPoint's Credit Union Scorecard
TUCSON
Charter #2157 · AZ
TUCSON has 8 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 10.9% in tier
- + ROA 0.72% above tier average
- + Net Interest Margin 0.75% above tier average
- + Asset Growth Rate: Top 2.6% in tier
- + Deposit Growth Rate: Top 3.4% in tier
- + Share Certificate Concentration (%): Top 4.3% in tier
- + AMR Growth Rate: Top 6.0% in tier
- + Efficiency Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22.0% in tier
- - Credit Risk Growth: Bottom 25.7% in tier
- - Margin Compression: Bottom 34.4% in tier
- - Membership Headwinds: Bottom 59.5% in tier
- - Stagnation Risk: Bottom 61.7% in tier
- - Delinquency rate 0.60% above tier average
- - Member decline: -2.1% YoY
- - Net Charge-Off Rate: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52,029
-2.1% YoY-0.1% QoQ
|
-55 |
52,084
-1.6% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$925.4M
+23.5% YoY+5.7% QoQ
|
+$61.5M |
$863.9M
+0.5% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$485.2M
+5.6% YoY+1.3% QoQ
|
$-120.6M |
$605.8M
+1.4% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.5% in tier |
| Deposits |
$746.5M
+16.7% YoY+6.5% QoQ
|
+$9.2M |
$737.3M
+0.1% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
1.5%
-8.0% YoY-7.0% QoQ
|
+0.7% |
0.7%
+39.1% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
Top 7.7% in tier |
| NIM |
4.1%
-2.4% YoY-3.2% QoQ
|
+0.8% |
3.4%
+8.7% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
59.4%
+0.6% YoY+0.0% QoQ
|
-14.9% |
74.3%
-3.6% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate |
1.5%
+40.3% YoY+20.8% QoQ
|
+0.6 |
0.9%
+3.8% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
65.0%
-9.5% YoY-4.8% QoQ
|
-17.6% |
82.6%
+1.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.5% in tier |
| AMR |
$23,673
+14.5% YoY+4.5% QoQ
|
$-5K |
$28,873
+2.7% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
10.6%
-8.1% YoY-6.3% QoQ
|
-13.8% | 24.4% | 17.2% | 19.8% | Bottom 9.5% in tier |
| Indirect Auto % |
14.6%
+9.2% YoY-3.8% QoQ
|
+0.8% | 13.8% | 22.5% | 7.8% | 61% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)