BlastPoint's Credit Union Scorecard
COCHISE
Charter #60151 · AZ
COCHISE has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.64% above tier average
- + Net Interest Margin 0.12% above tier average
- + Efficiency Ratio: Top 6.7% in tier
- + Total Loans: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,789
+2.5% YoY+0.3% QoQ
|
+3.2K |
2,615
-1.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
Top 10.1% in tier |
| Assets |
$73.3M
+9.1% YoY+0.3% QoQ
|
+$43.1M |
$30.1M
+2.1% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
Top 10.9% in tier |
| Loans |
$46.8M
+1.8% YoY-0.2% QoQ
|
+$31.0M |
$15.8M
-1.3% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
Top 6.9% in tier |
| Deposits |
$60.6M
+8.0% YoY-0.4% QoQ
|
+$35.0M |
$25.7M
+1.4% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
Top 12.0% in tier |
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| ROA |
2.3%
+22.8% YoY-3.0% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
Top 4.3% in tier |
| NIM |
4.1%
+6.4% YoY+0.5% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
54.1%
-5.6% YoY+0.7% QoQ
|
-28.4% |
82.6%
-2.3% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate |
1.1%
+71.6% YoY+38.2% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
77.2%
-5.7% YoY+0.2% QoQ
|
+16.6% |
60.6%
-3.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$18,558
+2.7% YoY-0.6% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
21.1%
+9.5% YoY-2.2% QoQ
|
-3.3% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % |
30.0%
-3.6% YoY-2.7% QoQ
|
+16.2% | 13.8% | 22.5% | 7.8% | 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)