BlastPoint's Credit Union Scorecard
PRESCOTT
Charter #2460 · AZ
PRESCOTT has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.39% above tier average
- + Strong member growth: 7.1% YoY
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.1% in tier
- + Loan Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 2.22% below tier average
- - Efficiency ratio 47.78% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,293
+7.1% YoY+11.5% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$11.4M
+0.5% YoY+9.9% QoQ
|
$-18.8M |
$30.1M
+2.1% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$4.1M
+15.1% YoY+10.9% QoQ
|
$-11.7M |
$15.8M
-1.3% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$10.4M
+0.5% YoY+11.1% QoQ
|
$-15.3M |
$25.7M
+1.4% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
-1.6%
+53.4% YoY+27.0% QoQ
|
-2.2% |
0.6%
+10.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.9% in tier |
| NIM |
4.3%
+8.0% YoY-6.2% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
130.3%
+7.4% YoY+3.6% QoQ
|
+47.8% |
82.6%
-2.3% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Top 2.9% in tier |
| Delinquency Rate |
1.2%
+87.0% YoY+43.3% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
39.5%
+14.6% YoY-0.2% QoQ
|
-21.1% |
60.6%
-3.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$11,203
-2.7% YoY-0.4% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
11.5%
+47.2% YoY+20.7% QoQ
|
-12.9% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % |
0.5%
-49.1% YoY-17.9% QoQ
|
-13.3% | 13.8% | 22.5% | 7.8% | 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)