BlastPoint's Credit Union Scorecard
AVENIR FINANCIAL
Charter #4915 · AZ
AVENIR FINANCIAL has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Total Members: Top 4.2% in tier
- + Loan-to-Share Ratio: Top 4.9% in tier
- + AMR Growth Rate: Top 5.1% in tier
- + Loan Growth Rate: Top 5.2% in tier
- + Total Loans: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 6.09% above tier (higher cost structure)
- - Member decline: -2.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,293
-2.2% YoY+0.9% QoQ
|
+18.1K |
15,145
-2.5% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
Top 4.3% in tier |
| Assets |
$395.0M
+3.5% YoY+0.4% QoQ
|
+$163.3M |
$231.7M
+0.8% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
Top 12.0% in tier |
| Loans |
$286.8M
+16.8% YoY+1.1% QoQ
|
+$142.7M |
$144.1M
+0.2% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
Top 7.1% in tier |
| Deposits |
$303.8M
+5.0% YoY+4.4% QoQ
|
+$102.7M |
$201.1M
+0.4% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
82% |
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| ROA |
0.5%
+132.5% YoY-170.5% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
3.6%
+3.4% YoY+1.4% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
84.1%
-2.6% YoY-5.4% QoQ
|
+6.1% |
78.0%
-1.7% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
0.3%
-80.2% YoY-76.7% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
94.4%
+11.3% YoY-3.1% QoQ
|
+24.0% |
70.4%
-0.4% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
Top 5.0% in tier |
| AMR |
$17,739
+12.9% YoY+1.9% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
28.9%
+10.6% YoY+5.1% QoQ
|
+4.6% | 24.3% | 17.3% | 19.8% | 50% |
| Indirect Auto % |
8.1%
-28.8% YoY-7.4% QoQ
|
-5.7% | 13.8% | 21.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)