BlastPoint's Credit Union Scorecard

AVENIR FINANCIAL

Charter #4915 · AZ

100M-500M

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

AVENIR FINANCIAL has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Total Members: Top 4.4% in tier
+ AMR Growth Rate: Top 5.0% in tier
+ Loan-to-Share Ratio: Top 5.9% in tier
+ Loan Growth Rate: Top 6.7% in tier
+ Total Loans: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.43% below tier average
- Efficiency ratio 8.32% above tier (higher cost structure)
- Member decline: -2.2% YoY

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 +7.1% year over year ($308M in shares and deposits).
Membership: 33,479 members, -2.2% vs a year ago.
Delinquency rate 0.39%.
Return on assets 0.44%.
Efficiency ratio 85.05% vs a 76.73% peer average.
Loan-to-share ratio 95.16% 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	33,479 -2.2% YoY+0.6% QoQ	+18.3K	15,168 -2.6% YoY	62,580 +4.2% YoY	34,678 +6.6% YoY	Top 4.5% in tier
Assets	$400.9M +6.1% YoY+1.5% QoQ	+$168.9M	$232.0M +0.7% YoY	$1.1B +8.8% YoY	$593.1M +10.2% YoY	Top 10.9% in tier
Loans	$292.7M +15.3% YoY+2.1% QoQ	+$146.4M	$146.3M +0.2% YoY	$693.0M +9.0% YoY	$418.6M +10.1% YoY	Top 7.1% in tier
Deposits	$307.6M +7.1% YoY+1.2% QoQ	+$106.8M	$200.7M +0.2% YoY	$946.4M +8.0% YoY	$504.8M +10.3% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +68.4% YoY-20.3% QoQ	-0.4%	0.9% +12.5% YoY	0.9% +15.7% YoY	1.2% +121.4% YoY	23%
NIM	3.5% +1.9% YoY-0.8% QoQ	-0.2%	3.7% +4.5% YoY	4.0% +1.6% YoY	3.8% +2.3% YoY	40%
Efficiency Ratio	85.1% -0.7% YoY+1.1% QoQ	+8.3%	76.7% -0.8% YoY	75.7% -0.5% YoY	83.0% -5.3% YoY	76%
Delinquency Rate	0.4% -76.0% YoY+12.7% QoQ	-0.5	0.9% +6.6% YoY	0.9% +18.9% YoY	1.3% +2.6% YoY	27%
Loan To Share	95.2% +7.6% YoY+0.8% QoQ	+23.6%	71.5% -0.3% YoY	69.6% -1.2% YoY	66.4% -1.4% YoY	Top 6.0% in tier
AMR	$17,929 +13.4% YoY+1.1% QoQ	$-7K	$25,107 +3.2% YoY	$19,787 +3.1% YoY	$20,028 -0.9% YoY	20%
CD Concentration	32.0% +20.1% YoY+10.6% QoQ	+7.4%	24.6%	17.9%	20.0%	50%
Indirect Auto %	7.5% -31.2% YoY-6.3% QoQ	-6.1%	13.6%	21.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#64 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 13.39%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#43 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.16%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 15.28%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Efficiency Drag

risk

#227 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: 85.05%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.18% points

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

but better than tier avg

Member Growth (YoY): -2.17%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

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

↓ Shrinking -37 CUs YoY | Rank improving

Membership Headwinds

decline

#320 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.17%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#496 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.17%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 15.28%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.39%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 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 (10 metrics)

Total Members

engagement

Value: 33,479

Peer Median: 13,128

#46 of 1024 Top 4.4% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.39%

Peer Median: 3.53%

#52 of 1024 Top 5.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.16%

Peer Median: 73.07%

#61 of 1024 Top 5.9% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.28%

Peer Median: 3.02%

#70 of 1024 Top 6.7% in 100M-500M tier

Total Loans

balance_sheet

Value: $292.68M

Peer Median: $124.04M

#73 of 1024 Top 7.0% in 100M-500M tier

112

Total Assets

balance_sheet

Value: $400.87M

Peer Median: $196.38M

#112 of 1024 Top 10.8% in 100M-500M tier

134

First Mortgage Concentration (%)

balance_sheet

Value: 10.77%

Peer Median: 29.92%

#134 of 1024 Top 13.0% in 100M-500M tier

177

Total Deposits

balance_sheet

Value: $307.56M

Peer Median: $170.77M

#177 of 1024 Top 17.2% in 100M-500M tier

190

Fee Income Per Member

profitability

Value: $225.60

Peer Median: $159.88

#190 of 1024 Top 18.5% in 100M-500M tier

214

Deposit Growth Rate

growth

Value: 7.09%

Peer Median: 3.58%

#214 of 1024 Top 20.8% in 100M-500M tier

Top Weaknesses (5 metrics)

854

Net Charge-Off Rate

risk

Value: 0.75%

Peer Median: 0.34%

#854 of 1024 Bottom 16.7% in 100M-500M tier

820

Average Member Relationship (AMR)

engagement

Value: $17,929

Peer Median: $23,006

#820 of 1024 Bottom 20.0% in 100M-500M tier

788

Return on Assets (ROA)

profitability

Value: 0.44%

Peer Median: 0.75%

#788 of 1024 Bottom 23.1% in 100M-500M tier

786

Share Certificate Concentration (%)

balance_sheet

Value: 31.96%

Peer Median: 23.39%

#786 of 1024 Bottom 23.3% in 100M-500M tier

781

Efficiency Ratio

profitability

Value: 85.05%

Peer Median: 77.26%

#781 of 1024 Bottom 23.8% in 100M-500M tier