PRESCOTT
Charter #2460 | AZ
<100M
(2596 CUs)
Micro
($0-$500M)
12 <100M in 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
|
32nd in tier |
| 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
|
33rd in tier |
| 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
|
28th in tier |
| 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
|
35th in tier |
| 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
|
Top 22.5% in tier |
| 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
|
56th in tier |
| 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
|
Bottom 18.5% in tier |
| 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
|
35th in tier |
| 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
|
50th in tier |
| Indirect Auto % |
0.6%
-49.3% YoY-15.8% QoQ
|
-13.4% |
14.0%
-5.8% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (3 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
513
Loan Growth Rate
growth
Value:
5.33%
Peer Avg: 59.01%
#513 of 2596
Top 19.7% in <100M tier
584
Net Interest Margin (NIM)
profitability
Value:
4.64%
Peer Avg: 3.93%
#584 of 2596
Top 22.5% in <100M tier
Top Weaknesses (10 metrics)
2502
Efficiency Ratio
profitability
Value:
125.76%
Peer Avg: 81.39%
#2502 of 2596
Bottom 3.7% in <100M tier
2475
Return on Assets (ROA)
profitability
Value:
-1.26%
Peer Avg: 0.68%
#2475 of 2596
Bottom 4.7% in <100M tier
2450
Net Worth Ratio
risk
Value:
8.27%
Peer Avg: 16.43%
#2450 of 2596
Bottom 5.7% in <100M tier
2394
Asset Growth Rate
growth
Value:
-7.89%
Peer Avg: 1.82%
#2394 of 2596
Bottom 7.8% in <100M tier
2359
Net Charge-Off Rate
risk
Value:
1.45%
Peer Avg: 0.57%
#2359 of 2596
Bottom 9.2% in <100M tier
2321
Deposit Growth Rate
growth
Value:
-7.72%
Peer Avg: 16.80%
#2321 of 2596
Bottom 10.6% in <100M tier
2306
Members Per Employee (MPE)
engagement
Value:
165.714
Peer Avg: 365.701
#2306 of 2596
Bottom 11.2% in <100M tier
2222
Indirect Auto Concentration (%)
balance_sheet
Value:
0.58%
Peer Avg: 2.84%
#2222 of 2596
Bottom 14.4% in <100M tier
2113
Loan-to-Share Ratio
balance_sheet
Value:
39.59%
Peer Avg: 61.23%
#2113 of 2596
Bottom 18.6% in <100M tier
2107
Member Growth Rate
growth
Value:
-4.68%
Peer Avg: 14.92%
#2107 of 2596
Bottom 18.9% in <100M tier