BlastPoint's Credit Union Scorecard
PRESCOTT
Charter #2460 · AZ
PRESCOTT has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.70% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.94% below tier average
- - Efficiency ratio 44.36% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - Net Worth Ratio: Bottom 5.7% in tier
- - Asset Growth Rate: Bottom 7.8% in tier
- - Net Charge-Off Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,160
-4.7% YoY0% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$10.3M
-7.9% YoY-0.6% QoQ
|
$-19.5M |
$29.9M
+1.1% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$3.7M
+5.3% YoY+6.8% QoQ
|
$-12.1M |
$15.8M
-2.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$9.3M
-7.7% YoY-0.8% QoQ
|
$-16.1M |
$25.5M
+0.4% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
35% |
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| ROA |
-1.3%
+75.4% YoY+2.2% QoQ
|
-1.9% |
0.7%
-731.4% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.7% in tier |
| NIM |
4.6%
+13.3% YoY+6.7% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
125.8%
+5.4% YoY-3.1% QoQ
|
+44.4% |
81.4%
-2.4% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
Top 3.7% in tier |
| Delinquency Rate |
0.8%
-59.6% YoY+826.8% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
39.6%
+14.1% YoY+7.7% QoQ
|
-21.6% |
61.2%
-3.0% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$11,244
+0.3% YoY+1.2% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
9.5%
+28.5% YoY-2.9% QoQ
|
-14.9% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.6%
-49.3% YoY-15.8% QoQ
|
-13.4% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)