BlastPoint's Credit Union Scorecard

PYRAMID

Charter #24826 · AZ

100M-500M

1024 CUs in 100M-500M nationally 8 in AZ

PYRAMID faces 8 concerns requiring attention

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.44% below tier average
- Efficiency ratio 6.73% above tier (higher cost structure)

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Arizona.
Shares and deposits -1.4% year over year ($225M in shares and deposits).
Membership: 17,785 members, +0.7% vs a year ago.
Delinquency rate 1.51%.
Return on assets 0.42%.
Efficiency ratio 83.46% vs a 76.73% peer average.
Loan-to-share ratio 63.78% vs a 71.54% 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	17,785 +0.7% YoY+0.3% QoQ	+2.6K	15,168 -2.6% YoY	62,580 +4.2% YoY	34,678 +6.6% YoY	69%
Assets	$247.9M -1.0% YoY-1.7% QoQ	+$15.8M	$232.0M +0.7% YoY	$1.1B +8.8% YoY	$593.1M +10.2% YoY	63%
Loans	$143.6M +2.6% YoY+0.9% QoQ	$-2.6M	$146.3M +0.2% YoY	$693.0M +9.0% YoY	$418.6M +10.1% YoY	59%
Deposits	$225.2M -1.4% YoY-1.9% QoQ	+$24.5M	$200.7M +0.2% YoY	$946.4M +8.0% YoY	$504.8M +10.3% YoY	65%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -38.7% YoY-58.1% QoQ	-0.4%	0.9% +12.5% YoY	0.9% +15.7% YoY	1.2% +121.4% YoY	22%
NIM	3.5% +3.6% YoY+0.7% QoQ	-0.2%	3.7% +4.5% YoY	4.0% +1.6% YoY	3.8% +2.3% YoY	37%
Efficiency Ratio	83.5% +0.5% YoY+13.4% QoQ	+6.7%	76.7% -0.8% YoY	75.7% -0.5% YoY	83.0% -5.3% YoY	71%
Delinquency Rate	1.5% +32.8% YoY+12.0% QoQ	+0.6	0.9% +6.6% YoY	0.9% +18.9% YoY	1.3% +2.6% YoY	Bottom 14.1% in tier
Loan To Share	63.8% +4.1% YoY+2.8% QoQ	-7.8%	71.5% -0.3% YoY	69.6% -1.2% YoY	66.4% -1.4% YoY	32%
AMR	$20,739 -0.5% YoY-1.1% QoQ	$-4K	$25,107 +3.2% YoY	$19,787 +3.1% YoY	$20,028 -0.9% YoY	36%
CD Concentration	16.3% +4.3% YoY+2.0% QoQ	-8.2%	24.6%	17.9%	20.0%	50%
Indirect Auto %	15.4% -13.6% YoY+3.9% QoQ	+1.8%	13.6%	21.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#197 of 693 • 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): 0.37% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Efficiency Drag

risk

#250 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 83.46%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.27% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 0.68%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#264 of 472 • 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): 2.65%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.37% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Deposit Outflow

decline

#63 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.35%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 0.68%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#473 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -1.01%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 15.41%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 0.68%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#222 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.51%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (1 metrics)

120

Fee Income Per Member

profitability

Value: $249.26

Peer Median: $159.88

#120 of 1024 Top 11.6% in 100M-500M tier

Top Weaknesses (5 metrics)

901

Asset Growth Rate

growth

Value: -1.01%

Peer Median: 4.12%

#901 of 1024 Bottom 12.1% in 100M-500M tier

892

Deposit Growth Rate

growth

Value: -1.35%

Peer Median: 3.58%

#892 of 1024 Bottom 13.0% in 100M-500M tier

881

Total Delinquency Rate (60+ days)

risk

Value: 1.51%

Peer Median: 0.71%

#881 of 1024 Bottom 14.1% in 100M-500M tier

841

AMR Growth Rate

growth

Value: -0.51%

Peer Median: 3.53%

#841 of 1024 Bottom 18.0% in 100M-500M tier

797

Return on Assets (ROA)

profitability

Value: 0.42%

Peer Median: 0.75%

#797 of 1024 Bottom 22.3% in 100M-500M tier