BlastPoint's Credit Union Scorecard
COCHISE
Charter #60151 · AZ
COCHISE has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.65% above tier average
- + Net Interest Margin 0.12% above tier average
- + Total Loans: Top 6.7% in tier
- + Asset Growth Rate: Top 7.2% in tier
- + Efficiency Ratio: Top 8.4% in tier
- + Deposit Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,773
+2.8% YoY+0.6% QoQ
|
+3.1K |
2,625
-2.2% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 10.4% in tier |
| Assets |
$73.1M
+10.7% YoY+0.4% QoQ
|
+$43.2M |
$29.9M
+1.1% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
Top 10.6% in tier |
| Loans |
$46.9M
+2.3% YoY-0.3% QoQ
|
+$31.1M |
$15.8M
-2.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
Top 6.8% in tier |
| Deposits |
$60.9M
+9.8% YoY-0.1% QoQ
|
+$35.4M |
$25.5M
+0.4% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 11.6% in tier |
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| ROA |
2.3%
+25.6% YoY-9.7% QoQ
|
+1.6% |
0.7%
-731.4% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
Top 5.2% in tier |
| NIM |
4.1%
+4.5% YoY+1.2% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
53.8%
-6.4% YoY+6.2% QoQ
|
-27.6% |
81.4%
-2.4% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
0.8%
-6.1% YoY-4.8% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
77.0%
-6.8% YoY-0.2% QoQ
|
+15.8% |
61.2%
-3.0% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$18,665
+3.5% YoY-0.8% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
21.6%
+22.2% YoY+3.6% QoQ
|
-2.8% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
30.8%
-1.1% YoY-0.7% QoQ
|
+16.8% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
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)