BlastPoint's Credit Union Scorecard

AVENIR FINANCIAL

Charter #4915 · AZ

1077 CUs in 100M-500M nationally 8 in AZ

AVENIR FINANCIAL has 6 strengths but faces 5 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

+ Organic Growth Leader: Top 28.8% in tier
+ Organic Growth Engine: Top 32.3% in tier
+ Wallet Share Momentum: Top 66.9% in tier
+ Total Members: Top 4.6% in tier
+ Loan-to-Share Ratio: Top 6.9% in tier
+ Total Loans: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.7% in tier
- Efficiency Drag: Bottom 15.7% in tier
- ROA 0.59% below tier average
- Efficiency ratio 7.76% above tier (higher cost structure)
- Delinquency rate 0.89% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	34,306 +0.9% YoY+0.3% QoQ	+18.7K	15,628 -3.4% YoY	60,829 +5.9% YoY	33,089 +6.1% YoY	Top 4.7% in tier
Assets	$389.9M +3.0% YoY+3.2% QoQ	+$158.6M	$231.3M -0.0% YoY	$1.0B +8.7% YoY	$547.7M +7.8% YoY	Top 12.1% in tier
Loans	$275.2M +10.8% YoY+8.4% QoQ	+$127.4M	$147.8M -1.4% YoY	$651.1M +13.2% YoY	$388.7M +8.6% YoY	Top 9.6% in tier
Deposits	$287.0M +4.2% YoY-0.1% QoQ	+$86.7M	$200.3M -0.0% YoY	$883.8M +10.9% YoY	$464.6M +9.3% YoY	79%

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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	0.2% -64.1% YoY-23.4% QoQ	-0.6%	0.8% +15.5% YoY	0.8% +38.7% YoY	0.7% +273.4% YoY	Bottom 13.3% in tier
NIM	3.5% -2.0% YoY+0.9% QoQ	-0.1%	3.6% +6.9% YoY	4.0% +6.6% YoY	3.7% +5.0% YoY	44%
Efficiency Ratio	85.0% +2.8% YoY-0.7% QoQ	+7.8%	77.3% -3.0% YoY	75.3% -3.3% YoY	79.1% -3.3% YoY	77%
Delinquency Rate	1.7% -9.3% YoY+7.9% QoQ	+0.9	0.9% +7.6% YoY	0.9% +2.1% YoY	1.2% -0.9% YoY	Top 10.1% in tier
Loan To Share	95.9% +6.3% YoY+8.5% QoQ	+23.2%	72.7% -1.5% YoY	71.1% -3.6% YoY	68.0% -1.7% YoY	Top 7.0% in tier
AMR	$16,388 +6.4% YoY+3.6% QoQ	$-8K	$24,363 +2.9% YoY	$19,058 +3.8% YoY	$19,418 +1.3% YoY	16%
CD Concentration	26.7% +6.5% YoY+0.5% QoQ	+2.3%	24.4% +4.2% YoY	16.8% +14.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	9.8% -23.8% YoY-10.7% QoQ	-4.2%	14.0% -5.7% YoY	23.2% -8.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#381 of 430 • Top 28.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.89%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 9.79%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#593 of 603 • Top 32.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.89%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.20%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 9.79%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#322 of 481 • Top 66.9% in tier

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

Why This Signature

AMR Growth (YoY): 6.40%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#76 of 258 • Bottom 9.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.88%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 10.78%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Efficiency Drag

risk

#278 of 521 • Bottom 15.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.04%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.36% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.89%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (10 metrics)

Total Members

engagement

Value: 34,306

Peer Avg: -

#51 of 1077 Top 4.6% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.88%

Peer Avg: -

#75 of 1077 Top 6.9% in 100M-500M tier

103

Total Loans

balance_sheet

Value: $275.19M

Peer Avg: -

#103 of 1077 Top 9.5% in 100M-500M tier

130

Total Assets

balance_sheet

Value: $389.93M

Peer Avg: -

#130 of 1077 Top 12.0% in 100M-500M tier

135

Net Worth Ratio

risk

Value: 15.66%

Peer Avg: -

#135 of 1077 Top 12.4% in 100M-500M tier

143

Loan Growth Rate

growth

Value: 10.78%

Peer Avg: -

#143 of 1077 Top 13.2% in 100M-500M tier

168

First Mortgage Concentration (%)

balance_sheet

Value: 12.46%

Peer Avg: -

#168 of 1077 Top 15.5% in 100M-500M tier

217

Fee Income Per Member

profitability

Value: $227.46

Peer Avg: -

#217 of 1077 Top 20.1% in 100M-500M tier

226

Total Deposits

balance_sheet

Value: $287.02M

Peer Avg: -

#226 of 1077 Top 20.9% in 100M-500M tier

254

AMR Growth Rate

growth

Value: 6.40%

Peer Avg: -

#254 of 1077 Top 23.5% in 100M-500M tier

Top Weaknesses (5 metrics)

969

Total Delinquency Rate (60+ days)

risk

Value: 1.75%

Peer Avg: -

#969 of 1077 Bottom 10.1% in 100M-500M tier

934

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Avg: -

#934 of 1077 Bottom 13.4% in 100M-500M tier

910

Net Charge-Off Rate

risk

Value: 0.79%

Peer Avg: -

#910 of 1077 Bottom 15.6% in 100M-500M tier

910

Average Member Relationship (AMR)

engagement

Value: $16,388

Peer Avg: -

#910 of 1077 Bottom 15.6% in 100M-500M tier

829

Efficiency Ratio

profitability

Value: 85.04%

Peer Avg: -

#829 of 1077 Bottom 23.1% in 100M-500M tier