BlastPoint's Credit Union Scorecard

COCHISE

Charter #60151 · AZ

<100M

2508 CUs in <100M nationally 12 in AZ

COCHISE has 5 strengths but faces 1 concern

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.52% above tier average
+ Total Loans: Top 6.1% in tier
+ Total Assets: Top 9.1% in tier
+ Total Members: Top 9.4% in tier
+ Total Deposits: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 3.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	5,840 +2.3% YoY+0.9% QoQ	+3.2K	2,676 +1.6% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	Top 9.4% in tier
Assets	$76.8M +6.7% YoY+4.8% QoQ	+$46.6M	$30.2M +1.3% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	Top 9.1% in tier
Loans	$46.8M +2.4% YoY+0.0% QoQ	+$31.5M	$15.3M -2.0% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	Top 6.1% in tier
Deposits	$63.9M +5.4% YoY+5.3% QoQ	+$38.1M	$25.8M +0.7% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	Top 10.0% in tier

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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	1.7% -6.1% YoY-26.2% QoQ	+1.5%	0.1% -77.6% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	Top 11.8% in tier
NIM	4.0% -2.1% YoY-2.6% QoQ	+0.0%	4.0% +4.0% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	57%
Efficiency Ratio	60.4% -2.0% YoY+11.7% QoQ	-30.2%	90.6% +6.5% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	Top 12.6% in tier
Delinquency Rate	1.0% +24.9% YoY-3.1% QoQ	-0.5	1.5% +3.8% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	65%
Loan To Share	73.3% -2.8% YoY-5.1% QoQ	+14.8%	58.5% -3.0% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	72%
AMR	$18,952 +1.8% YoY+2.1% QoQ	+$4K	$14,884 -1.7% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	73%
CD Concentration	20.7% +9.8% YoY-2.0% QoQ	-3.6%	24.3%	17.3%	19.8%	50%
Indirect Auto %	29.4% -6.2% YoY-2.1% QoQ	+15.6%	13.8%	21.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (12 metrics)

154

Total Loans

balance_sheet

Value: $46.80M

Peer Median: $9.48M

#154 of 2508 Top 6.1% in <100M tier

228

Total Assets

balance_sheet

Value: $76.79M

Peer Median: $21.86M

#228 of 2508 Top 9.1% in <100M tier

237

Total Members

engagement

Value: 5,840

Peer Median: 1,918

#237 of 2508 Top 9.4% in <100M tier

251

Total Deposits

balance_sheet

Value: $63.88M

Peer Median: $18.77M

#251 of 2508 Top 10.0% in <100M tier

295

Return on Assets (ROA)

profitability

Value: 1.67%

Peer Median: 0.61%

#295 of 2508 Top 11.7% in <100M tier

317

Efficiency Ratio

profitability

Value: 60.44%

Peer Median: 81.45%

#317 of 2508 Top 12.6% in <100M tier

382

Member Growth Rate

growth

Value: 2.28%

Peer Median: -1.37%

#382 of 2508 Top 15.2% in <100M tier

402

Members Per Employee (MPE)

engagement

Value: 486.667

Peer Median: 333.750

#402 of 2508 Top 16.0% in <100M tier

405

Asset Growth Rate

growth

Value: 6.70%

Peer Median: 1.30%

#405 of 2508 Top 16.1% in <100M tier

444

Loan-to-Member Ratio (LMR)

engagement

Value: $8,014

Peer Median: $4,923

#444 of 2508 Top 17.7% in <100M tier

Top Weaknesses (1 metrics)

2410

Indirect Auto Concentration (%)

balance_sheet

Value: 29.35%

Peer Median: 0.00%

#2410 of 2508 Bottom 3.9% in <100M tier