BlastPoint's Credit Union Scorecard
AVENIR FINANCIAL
Charter #4915 · AZ
AVENIR FINANCIAL has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.7% in tier
- + Loan-to-Share Ratio: Top 4.3% in tier
- + Total Members: Top 4.8% in tier
- + Loan Growth Rate: Top 4.9% in tier
- + AMR Growth Rate: Top 4.9% in tier
- + Total Loans: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.7% in tier
- - Membership Headwinds: Bottom 55.0% in tier
- - Efficiency Drag: Bottom 56.6% in tier
- - Stagnation Risk: Bottom 69.8% in tier
- - ROA 1.54% below tier average
- - Efficiency ratio 11.93% above tier (higher cost structure)
- - Delinquency rate 0.58% above tier average
- - Member decline: -2.4% YoY
- - Net Charge-Off Rate: Bottom 1.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,998
-2.4% YoY-3.8% QoQ
|
+17.6K |
15,437
-2.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
Top 4.9% in tier |
| Assets |
$393.6M
+7.6% YoY+0.9% QoQ
|
+$161.7M |
$231.9M
+1.3% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
Top 12.0% in tier |
| Loans |
$283.7M
+17.4% YoY+3.1% QoQ
|
+$136.3M |
$147.3M
-0.1% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
Top 8.5% in tier |
| Deposits |
$291.0M
+5.1% YoY+1.4% QoQ
|
+$90.2M |
$200.8M
+0.8% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
80% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.8%
-490.2% YoY-491.3% QoQ
|
-1.5% |
0.8%
+18.2% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.0% in tier |
| NIM |
3.5%
-2.2% YoY+0.5% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
88.9%
+10.6% YoY+4.6% QoQ
|
+11.9% |
77.0%
-3.1% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Top 11.7% in tier |
| Delinquency Rate |
1.5%
-22.6% YoY-15.3% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
Top 14.3% in tier |
| Loan To Share |
97.5%
+11.7% YoY+1.7% QoQ
|
+25.2% |
72.2%
-1.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 4.4% in tier |
| AMR |
$17,417
+13.6% YoY+6.3% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
27.5%
+6.7% YoY+2.8% QoQ
|
+3.1% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % |
8.7%
-26.4% YoY-11.2% QoQ
|
-5.1% | 13.8% | 22.5% | 7.8% | 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)