BlastPoint's Credit Union Scorecard

PYRAMID

Charter #24826 · AZ

1077 CUs in 100M-500M nationally 8 in AZ

PYRAMID has 2 strengths but faces 6 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 Leader: Top 29.2% in tier
+ Organic Growth Engine: Top 31.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 7.3% in tier
- Credit Quality Pressure: Bottom 26.2% in tier
- Indirect Auto Dependency: Bottom 27.6% in tier
- ROA 0.35% below tier average
- Efficiency ratio 8.85% above tier (higher cost structure)
- Delinquency rate 0.62% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	17,716 +0.8% YoY+0.3% QoQ	+2.1K	15,628 -3.4% YoY	60,829 +5.9% YoY	33,089 +6.1% YoY	67%
Assets	$248.0M +4.9% YoY-1.0% QoQ	+$16.7M	$231.3M -0.0% YoY	$1.0B +8.7% YoY	$547.7M +7.8% YoY	63%
Loans	$136.7M -4.6% YoY-2.3% QoQ	$-11.1M	$147.8M -1.4% YoY	$651.1M +13.2% YoY	$388.7M +8.6% YoY	55%
Deposits	$225.5M +5.2% YoY-1.2% QoQ	+$25.2M	$200.3M -0.0% YoY	$883.8M +10.9% YoY	$464.6M +9.3% 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	0.4% -26.0% YoY-35.9% QoQ	-0.3%	0.8% +15.5% YoY	0.8% +38.7% YoY	0.7% +273.4% YoY	28%
NIM	3.4% +1.1% YoY+1.3% QoQ	-0.2%	3.6% +6.9% YoY	4.0% +6.6% YoY	3.7% +5.0% YoY	37%
Efficiency Ratio	86.1% +4.2% YoY+3.7% QoQ	+8.8%	77.3% -3.0% YoY	75.3% -3.3% YoY	79.1% -3.3% YoY	80%
Delinquency Rate	1.5% +2.1% YoY+30.2% QoQ	+0.6	0.9% +7.6% YoY	0.9% +2.1% YoY	1.2% -0.9% YoY	Top 14.9% in tier
Loan To Share	60.6% -9.3% YoY-1.1% QoQ	-12.1%	72.7% -1.5% YoY	71.1% -3.6% YoY	68.0% -1.7% YoY	23%
AMR	$20,446 +0.4% YoY-1.9% QoQ	$-4K	$24,363 +2.9% YoY	$19,058 +3.8% YoY	$19,418 +1.3% YoY	38%
CD Concentration	15.9% +11.5% YoY+1.2% QoQ	-8.5%	24.4% +4.2% YoY	16.8% +14.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	16.6% -23.1% YoY-6.9% QoQ	+2.6%	14.0% -5.7% YoY	23.2% -8.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#385 of 430 • Top 29.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.85%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 16.60%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#583 of 603 • Top 31.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.85%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.44%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 16.60%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (3)

Efficiency Drag

risk

#130 of 521 • Bottom 7.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.12%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.85%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk

#648 of 736 • Bottom 26.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#444 of 525 • Bottom 27.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.89%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 16.60%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.85%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (2 metrics)

167

Fee Income Per Member

profitability

Value: $240.74

Peer Avg: -

#167 of 1077 Top 15.4% in 100M-500M tier

268

Share Certificate Concentration (%)

balance_sheet

Value: 15.86%

Peer Avg: -

#268 of 1077 Top 24.8% in 100M-500M tier

Top Weaknesses (4 metrics)

924

Loan Growth Rate

growth

Value: -4.63%

Peer Avg: -

#924 of 1077 Bottom 14.3% in 100M-500M tier

917

Total Delinquency Rate (60+ days)

risk

Value: 1.48%

Peer Avg: -

#917 of 1077 Bottom 14.9% in 100M-500M tier

862

Efficiency Ratio

profitability

Value: 86.12%

Peer Avg: -

#862 of 1077 Bottom 20.1% in 100M-500M tier

833

Loan-to-Share Ratio

balance_sheet

Value: 60.63%

Peer Avg: -

#833 of 1077 Bottom 22.7% in 100M-500M tier