BlastPoint's Credit Union Scorecard

PYRAMID

Charter #24826 · AZ

100M-500M
1070 CUs in 100M-500M nationally 8 in AZ

PYRAMID 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

  • + Organic Growth Engine: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + ROA 0.27% above tier average
  • + Fee Income Per Member: Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Delinquency rate 0.57% above tier average

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 17,727
+0.5% YoY+0.4% QoQ
 +2.6K 15,145
-2.5% YoY
 61,699
+4.0% YoY
 33,913
+5.7% YoY
 68%
Assets $252.2M
+1.6% YoY+2.3% QoQ
 +$20.5M $231.7M
+0.8% YoY
 $1.1B
+9.9% YoY
 $578.3M
+9.0% YoY
 64%
Loans $142.4M
+2.8% YoY+4.6% QoQ
 $-1.8M $144.1M
+0.2% YoY
 $678.0M
+10.6% YoY
 $402.4M
+8.7% YoY
 59%
Deposits $229.5M
+1.2% YoY+2.6% QoQ
 +$28.4M $201.1M
+0.4% YoY
 $945.2M
+9.4% YoY
 $494.3M
+9.1% YoY
 66%

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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 1.0%
-32.9% YoY+76.7% QoQ
 +0.3% 0.7%
+5.1% YoY
 0.7%
+1.0% YoY
 0.4%
-39.2% YoY
 70%
NIM 3.4%
+1.2% YoY+0.7% QoQ
 -0.2% 3.6%
+4.6% YoY
 3.9%
+0.5% YoY
 3.8%
+4.1% YoY
 39%
Efficiency Ratio 73.6%
+2.9% YoY-12.7% QoQ
 -4.4% 78.0%
-1.7% YoY
 76.9%
-1.0% YoY
 84.6%
+2.8% YoY
 33%
Delinquency Rate 1.3%
+20.1% YoY-26.8% QoQ
 +0.6 0.8%
+7.1% YoY
 0.8%
+8.3% YoY
 1.2%
+3.4% YoY
 Bottom 13.6% in tier
Loan To Share 62.0%
+1.6% YoY+2.0% QoQ
 -8.4% 70.4%
-0.4% YoY
 68.3%
-2.8% YoY
 65.6%
-1.4% YoY
 30%
AMR $20,977
+1.3% YoY+2.9% QoQ
 $-4K $24,918
+2.7% YoY
 $19,742
+4.3% YoY
 $19,920
+1.6% YoY
 38%
CD Concentration 16.0%
+9.9% YoY+0.2% QoQ
 -8.2% 24.3% 17.3% 19.8% 50%
Indirect Auto % 14.8%
-25.6% YoY-4.1% QoQ
 +1.0% 13.8% 21.9% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#326 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.50%
(Tier: 0.72%, National: 10.19%)
but worse than tier avg
Return on Assets: 1.00%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 14.84%
(Tier: 13.80%, National: 7.73%)
but worse than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#371 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.50%
(Tier: 0.72%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 14.84%
(Tier: 13.80%, National: 7.73%)
but worse than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Margin Compression

decline
#32 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.00%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 1.49%
(Tier: 0.67%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.49% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally
→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk
#310 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.22% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk
#316 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.82%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.22% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally
→ No prior data (476 CUs now) | New qualifier

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)

Comparing against 1070 peers in tier

Top Strengths (1 metrics)

50
Fee Income Per Member
profitability
Value: $301.05
Peer Median: $154.95
#50 of 1070 Top 4.6% in 100M-500M tier

Top Weaknesses (1 metrics)

926
Total Delinquency Rate (60+ days)
risk
Value: 1.35%
Peer Median: 0.61%
#926 of 1070 Bottom 13.6% in 100M-500M tier
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