BlastPoint's Credit Union Scorecard

ONEAZ

Charter #61315 · AZ

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 3 in AZ
View Mid-Market leaderboard →

ONEAZ shows strong momentum with 8 strengths and 15.6% YoY member growth

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 3.9% in tier
  • + Organic Growth Engine: Top 3.9% in tier
  • + Wallet Share Momentum: Top 12.6% in tier
  • + ROA 0.56% above tier average
  • + Net Interest Margin 0.40% above tier average
  • + Strong member growth: 15.6% YoY
  • + Share Certificate Concentration (%): Top 1.3% in tier
  • + Loan Growth Rate: Top 3.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 237,714
+15.6% YoY+1.3% QoQ
 +17.3K 220,435
-7.6% YoY
 61,699
+4.0% YoY
 33,913
+5.7% YoY
 63%
Assets $4.5B
+26.4% YoY+4.2% QoQ
 +$570.3M $3.9B
-1.5% YoY
 $1.1B
+9.9% YoY
 $578.3M
+9.0% YoY
 78%
Loans $3.0B
+25.1% YoY+0.4% QoQ
 +$139.2M $2.9B
-1.1% YoY
 $678.0M
+10.6% YoY
 $402.4M
+8.7% YoY
 55%
Deposits $4.0B
+25.5% YoY+4.3% QoQ
 +$681.2M $3.3B
-2.5% YoY
 $945.2M
+9.4% YoY
 $494.3M
+9.1% YoY
 Top 11.5% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 1.3%
+59.2% YoY+78.4% QoQ
 +0.6% 0.7%
+10.6% YoY
 0.7%
+1.0% YoY
 0.4%
-39.2% YoY
 85%
NIM 3.6%
+2.7% YoY+6.8% QoQ
 +0.4% 3.2%
+4.6% YoY
 3.9%
+0.5% YoY
 3.8%
+4.1% YoY
 73%
Efficiency Ratio 64.9%
-12.9% YoY-11.5% QoQ
 -6.3% 71.3%
-2.6% YoY
 76.9%
-1.0% YoY
 84.6%
+2.8% YoY
 30%
Delinquency Rate 0.5%
-38.2% YoY+78.3% QoQ
 -0.2 0.7%
+9.2% YoY
 0.8%
+8.3% YoY
 1.2%
+3.4% YoY
 51%
Loan To Share 76.2%
-0.3% YoY-3.8% QoQ
 -11.8% 88.0%
+0.9% YoY
 68.3%
-2.8% YoY
 65.6%
-1.4% YoY
 17%
AMR $29,495
+8.5% YoY+1.2% QoQ
 $-1K $30,672
+5.5% YoY
 $19,742
+4.3% YoY
 $19,920
+1.6% YoY
 54%
CD Concentration 5.9%
+2.8% YoY-9.4% QoQ
 -23.0% 28.8% 17.3% 19.8% Bottom 1.0% in tier
Indirect Auto % 7.5%
-17.1% YoY-3.1% QoQ
 -10.6% 18.1% 21.9% 7.7% 32%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#5 of 116 • Top 3.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 15.56%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Indirect Auto %: 7.47%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#5 of 115 • Top 3.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 15.56%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Return on Assets: 1.29%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 7.47%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Wallet Share Momentum

growth
#48 of 125 • Top 12.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.46%
(Tier: 3.34%, National: 6.36%)
better than tier avg
125 of 384 Mid-Market CUs have this signature | 637 nationally
↑ Growing +31 CUs YoY | New qualifier

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)

Comparing against 78 peers in tier

Top Strengths (10 metrics)

2
Share Certificate Concentration (%)
balance_sheet
Value: 5.86%
Peer Median: 31.76%
#2 of 78 Top 1.3% in 3B-5B tier
4
Loan Growth Rate
growth
Value: 25.12%
Peer Median: 5.73%
#4 of 78 Top 3.8% in 3B-5B tier
5
Member Growth Rate
growth
Value: 15.56%
Peer Median: 3.36%
#5 of 78 Top 5.1% in 3B-5B tier
5
Asset Growth Rate
growth
Value: 26.37%
Peer Median: 5.44%
#5 of 78 Top 5.1% in 3B-5B tier
5
Deposit Growth Rate
growth
Value: 25.50%
Peer Median: 5.31%
#5 of 78 Top 5.1% in 3B-5B tier
8
AMR Growth Rate
growth
Value: 8.46%
Peer Median: 2.86%
#8 of 78 Top 9.0% in 3B-5B tier
9
Total Deposits
balance_sheet
Value: $3.98B
Peer Median: $3.34B
#9 of 78 Top 10.3% in 3B-5B tier
12
Return on Assets (ROA)
profitability
Value: 1.29%
Peer Median: 0.75%
#12 of 78 Top 14.1% in 3B-5B tier
17
Total Assets
balance_sheet
Value: $4.49B
Peer Median: $3.94B
#17 of 78 Top 20.5% in 3B-5B tier
18
Indirect Auto Concentration (%)
balance_sheet
Value: 7.47%
Peer Median: 18.10%
#18 of 78 Top 21.8% in 3B-5B tier

Top Weaknesses (1 metrics)

65
Loan-to-Share Ratio
balance_sheet
Value: 76.20%
Peer Median: 90.65%
#65 of 78 Bottom 17.9% in 3B-5B tier
Link copied to clipboard!