BlastPoint's Credit Union Scorecard
COCHISE
Charter #60151 · AZ
COCHISE has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Net Interest Margin 0.21% above tier average
- + Total Loans: Top 6.3% in tier
- + Efficiency Ratio: Top 8.0% in tier
- + Total Members: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 3.8% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 12 that size in Arizona.
- Shares and deposits +0.3% year over year ($61.2M in shares and deposits).
- Membership: 5,848 members, +1.9% vs a year ago.
- Delinquency rate 1.29%.
- Return on assets 1.97%.
- Efficiency ratio 56.08% vs a 88.77% peer average.
- Loan-to-share ratio 77.83% vs a 58.89% 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 |
5,848
+1.9% YoY+0.1% QoQ
|
+3.3K |
2,585
-1.7% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
Top 9.5% in tier |
| Assets |
$74.5M
+2.4% YoY-3.0% QoQ
|
+$44.2M |
$30.3M
+1.5% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
Top 10.3% in tier |
| Loans |
$47.6M
+1.2% YoY+1.7% QoQ
|
+$32.1M |
$15.5M
-1.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
Top 6.3% in tier |
| Deposits |
$61.2M
+0.3% YoY-4.3% QoQ
|
+$35.3M |
$25.8M
+1.1% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Top 11.9% in tier |
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| ROA |
2.0%
-23.5% YoY+18.5% QoQ
|
+0.5% |
1.5%
+241.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
Top 9.9% in tier |
| NIM |
4.1%
+2.7% YoY+3.8% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
56.1%
+10.7% YoY-7.2% QoQ
|
-32.7% |
88.8%
-6.9% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
Top 8.0% in tier |
| Delinquency Rate |
1.3%
+56.9% YoY+23.0% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
77.8%
+0.9% YoY+6.2% QoQ
|
+18.9% |
58.9%
-3.1% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$18,596
-1.1% YoY-1.9% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
72% |
| CD Concentration |
22.2%
+6.4% YoY+7.1% QoQ
|
-2.4% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % |
29.1%
-6.2% YoY-0.8% QoQ
|
+15.5% | 13.6% | 21.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)