BlastPoint's Credit Union Scorecard
ONEAZ
Charter #61315 · AZ
ONEAZ has 8 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.2% in tier
- + Organic Growth Leader: Top 3.2% in tier
- + ROA 0.23% above tier average
- + Net Interest Margin 0.40% above tier average
- + Strong member growth: 16.3% YoY
- + Share Certificate Concentration (%): Top 1.3% in tier
- + Asset Growth Rate: Top 3.9% in tier
- + Deposit Growth Rate: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.0% in tier
- - Credit Quality Pressure: Bottom 10.5% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 3 that size in Arizona.
- Shares and deposits +23.5% year over year ($3.96B in shares and deposits).
- Membership: 245,580 members, +16.3% vs a year ago.
- Delinquency rate 0.66%.
- Return on assets 1.16%.
- Efficiency ratio 67.56% vs a 69.45% peer average.
- Loan-to-share ratio 76.53% vs a 90.24% 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 |
245,580
+16.3% YoY+3.3% QoQ
|
+29.0K |
216,545
-9.5% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$4.5B
+24.2% YoY-0.2% QoQ
|
+$574.3M |
$3.9B
-1.6% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$3.0B
+19.8% YoY-0.1% QoQ
|
+$98.7M |
$2.9B
-1.2% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$4.0B
+23.5% YoY-0.5% QoQ
|
+$701.7M |
$3.3B
-2.6% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Top 9.1% in tier |
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| ROA |
1.2%
+15.0% YoY-10.2% QoQ
|
+0.2% |
0.9%
+25.3% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
3.6%
+2.6% YoY+0.7% QoQ
|
+0.4% |
3.2%
+3.8% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
67.6%
-3.9% YoY+4.0% QoQ
|
-1.9% |
69.5%
-2.3% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.7%
+131.3% YoY+19.5% QoQ
|
-0.2 |
0.8%
+5.5% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
76.5%
-3.0% YoY+0.4% QoQ
|
-13.7% |
90.2%
+0.9% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.3% in tier |
| AMR |
$28,458
+4.8% YoY-3.5% QoQ
|
$-3K |
$31,018
+6.9% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
5.3%
-7.6% YoY-9.3% QoQ
|
-23.8% | 29.1% | 17.9% | 20.0% | Bottom 1.1% in tier |
| Indirect Auto % |
7.5%
-12.6% YoY+1.0% QoQ
|
-10.5% | 18.1% | 21.3% | 7.7% | 32% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)