BlastPoint's Credit Union Scorecard

PRESCOTT

Charter #2460 · AZ

<100M

2508 CUs in <100M nationally 12 in AZ

PRESCOTT has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.19% above tier average
+ Strong member growth: 9.3% YoY
+ Loan Growth Rate: Top 3.4% in tier
+ Member Growth Rate: Top 3.7% in tier

Key Concerns

Areas that may need attention

- ROA 2.75% below tier average
- Efficiency ratio 48.66% above tier (higher cost structure)
- Net Worth Ratio: Bottom 1.3% in tier
- Net Charge-Off Rate: Bottom 5.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	1,284 +9.3% YoY-0.7% QoQ	-1.4K	2,676 +1.6% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	36%
Assets	$11.0M -0.5% YoY-3.1% QoQ	$-19.2M	$30.2M +1.3% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	34%
Loans	$4.2M +20.4% YoY+2.5% QoQ	$-11.1M	$15.3M -2.0% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	30%
Deposits	$10.2M +1.5% YoY-1.4% QoQ	$-15.5M	$25.8M +0.7% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	36%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-2.6% +63.1% QoQ	-2.8%	0.1% -77.6% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	Bottom 3.7% in tier
NIM	4.2% -3.0% YoY-3.4% QoQ	+0.2%	4.0% +4.0% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	67%
Efficiency Ratio	139.3% +16.5% YoY+6.9% QoQ	+48.7%	90.6% +6.5% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	Bottom 3.7% in tier
Delinquency Rate	0.9% +31.5% YoY-25.3% QoQ	-0.6	1.5% +3.8% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	61%
Loan To Share	41.1% +18.6% YoY+4.0% QoQ	-17.4%	58.5% -3.0% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	23%
AMR	$11,246 -2.7% YoY+0.4% QoQ	$-4K	$14,884 -1.7% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	34%
CD Concentration	14.2% +62.5% YoY+23.4% QoQ	-10.1%	24.3%	17.3%	19.8%	50%
Indirect Auto %	0.4% -52.5% YoY-14.7% QoQ	-13.4%	13.8%	21.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Loan Growth Rate

growth

Value: 20.42%

Peer Median: -2.36%

#86 of 2508 Top 3.4% in <100M tier

Member Growth Rate

growth

Value: 9.28%

Peer Median: -1.37%

#95 of 2508 Top 3.7% in <100M tier

Top Weaknesses (7 metrics)

2476

Net Worth Ratio

risk

Value: 6.43%

Peer Median: 14.28%

#2476 of 2508 Bottom 1.3% in <100M tier

2417

Efficiency Ratio

profitability

Value: 139.29%

Peer Median: 81.45%

#2417 of 2508 Bottom 3.7% in <100M tier

2416

Return on Assets (ROA)

profitability

Value: -2.61%

Peer Median: 0.61%

#2416 of 2508 Bottom 3.7% in <100M tier

2365

Net Charge-Off Rate

risk

Value: 2.22%

Peer Median: 0.07%

#2365 of 2508 Bottom 5.7% in <100M tier

2147

Indirect Auto Concentration (%)

balance_sheet

Value: 0.40%

Peer Median: 0.00%

#2147 of 2508 Bottom 14.4% in <100M tier

2046

Members Per Employee (MPE)

engagement

Value: 214.000

Peer Median: 333.750

#2046 of 2508 Bottom 18.5% in <100M tier

1930

Loan-to-Share Ratio

balance_sheet

Value: 41.07%

Peer Median: 58.72%

#1930 of 2508 Bottom 23.1% in <100M tier