BlastPoint's Credit Union Scorecard
PYRAMID
Charter #24826 · AZ
PYRAMID faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.8% in tier
- - Credit Quality Pressure: Bottom 79.0% in tier
- - Shrinking Wallet Share: Bottom 94.7% in tier
- - Indirect Auto Dependency: Bottom 95.5% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 7.26% above tier (higher cost structure)
- - Delinquency rate 0.94% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,655
+0.5% YoY-0.3% QoQ
|
+2.2K |
15,437
-2.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$246.5M
+3.5% YoY-0.6% QoQ
|
+$14.7M |
$231.9M
+1.3% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$136.1M
-4.3% YoY-0.4% QoQ
|
$-11.2M |
$147.3M
-0.1% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$223.8M
+2.5% YoY-0.8% QoQ
|
+$23.0M |
$200.8M
+0.8% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.6%
+21.5% YoY+29.1% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.4%
+0.8% YoY+0.8% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
84.3%
-0.5% YoY-2.1% QoQ
|
+7.3% |
77.0%
-3.1% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.8%
+4.6% YoY+24.3% QoQ
|
+0.9 |
0.9%
+4.2% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
Top 9.0% in tier |
| Loan To Share |
60.8%
-6.6% YoY+0.3% QoQ
|
-11.4% |
72.2%
-1.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$20,386
-0.7% YoY-0.3% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
16.0%
+11.8% YoY+0.8% QoQ
|
-8.4% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % |
15.5%
-25.6% YoY-6.9% QoQ
|
+1.7% | 13.8% | 22.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)