BlastPoint's Credit Union Scorecard
PRESCOTT
Charter #2460 · AZ
PRESCOTT has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.63% above tier average
- + Strong member growth: 9.7% YoY
- + Loan Growth Rate: Top 1.8% in tier
- + Member Growth Rate: Top 4.0% in tier
- + Deposit Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 39.51% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.1% in tier
- - Net Charge-Off Rate: Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 12 that size in Arizona.
- Shares and deposits +10.7% year over year ($10.4M in shares and deposits).
- Membership: 1,272 members, +9.7% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 1.88%.
- Efficiency ratio 128.27% vs a 88.77% peer average.
- Loan-to-share ratio 42.95% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,272
+9.7% YoY-0.9% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$11.1M
+7.1% YoY+1.2% QoQ
|
$-19.1M |
$30.3M
+1.5% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$4.5M
+29.4% YoY+6.6% QoQ
|
$-11.0M |
$15.5M
-1.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$10.4M
+10.7% YoY+1.9% QoQ
|
$-15.4M |
$25.8M
+1.1% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
37% |
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| ROA |
1.9%
-252.5% YoY-172.0% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
Top 11.4% in tier |
| NIM |
4.5%
+4.2% YoY+7.7% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
128.3%
-1.1% YoY-7.9% QoQ
|
+39.5% |
88.8%
-6.9% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.7% in tier |
| Delinquency Rate |
0.5%
+413.4% YoY-48.3% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
43.0%
+16.8% YoY+4.6% QoQ
|
-15.9% |
58.9%
-3.1% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$11,726
+5.5% YoY+4.3% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
13.9%
+41.5% YoY-2.2% QoQ
|
-10.6% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % |
0.3%
-54.5% YoY-22.8% QoQ
|
-13.3% | 13.6% | 21.3% | 7.7% | 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)