BlastPoint's Credit Union Scorecard
ARIZE
Charter #24187 · PA
ARIZE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 3.38% above tier (higher cost structure)
- - Delinquency rate 1.86% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.1% in tier
- - Net Worth Ratio: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,952
+3.3% YoY+0.9% QoQ
|
-3.5K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$172.1M
+6.6% YoY-2.6% QoQ
|
$-59.8M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$115.2M
+7.7% YoY+1.1% QoQ
|
$-32.2M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$158.9M
+6.1% YoY-3.1% QoQ
|
$-41.9M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.4%
-25.6% YoY+44.7% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.9%
-0.5% YoY-0.6% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
80.4%
+4.4% YoY-1.7% QoQ
|
+3.4% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
2.8%
+172.7% YoY+5.5% QoQ
|
+1.9 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.1% in tier |
| Loan To Share |
72.5%
+1.6% YoY+4.3% QoQ
|
+0.3% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$22,930
+3.3% YoY-2.3% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
28.7%
+14.3% YoY+14.0% QoQ
|
+4.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
10.7%
-1.2% YoY-1.0% QoQ
|
-3.1% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)