PYRAMID

Charter #24826 | AZ

100M-500M (1077 CUs) Micro
8 100M-500M in AZ

PYRAMID has 2 strengths but faces 6 concerns

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
 67th in tier
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
 63rd in tier
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
 55th in tier
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
 66th in tier
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
 28th in tier
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
 37th in tier
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
 Top 20.1% in tier
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
 Bottom 22.7% in tier
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
 38th in tier
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
 50th in tier
Indirect Auto % 16.6%
-23.1% YoY-6.9% QoQ
 +2.6% 14.0%
-5.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#385 of 430 • Top 29.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.85%
(Tier: 0.88%, National: 9.37%)
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: 13.96%, 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: 13.96%, 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)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

167
Fee Income Per Member
profitability
Value: $240.74
Peer Avg: $174.31
#167 of 1077 Top 15.4% in 100M-500M tier
268
Share Certificate Concentration (%)
balance_sheet
Value: 15.86%
Peer Avg: 23.61%
#268 of 1077 Top 24.8% in 100M-500M tier

Top Weaknesses (4 metrics)

924
Loan Growth Rate
growth
Value: -4.63%
Peer Avg: 3.45%
#924 of 1077 Bottom 14.3% in 100M-500M tier
917
Total Delinquency Rate (60+ days)
risk
Value: 1.48%
Peer Avg: 0.86%
#917 of 1077 Bottom 14.9% in 100M-500M tier
862
Efficiency Ratio
profitability
Value: 86.12%
Peer Avg: 77.28%
#862 of 1077 Bottom 20.1% in 100M-500M tier
833
Loan-to-Share Ratio
balance_sheet
Value: 60.63%
Peer Avg: 72.70%
#833 of 1077 Bottom 22.7% in 100M-500M tier