BlastPoint's Credit Union Scorecard
ONEAZ
Charter #61315 · AZ
ONEAZ has 11 strengths but faces 3 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 Leader: Top 5.7% in tier
- + Organic Growth Engine: Top 10.2% in tier
- + Wallet Share Momentum: Top 41.0% in tier
- + ROA 0.01% above tier average
- + Net Interest Margin 0.24% above tier average
- + Strong member growth: 17.3% YoY
- + Share Certificate Concentration (%): Top 1.3% in tier
- + Loan Growth Rate: Top 2.6% in tier
- + Member Growth Rate: Top 5.3% in tier
- + Asset Growth Rate: Top 5.3% in tier
- + Deposit Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 41.1% in tier
- - Credit Quality Pressure: Bottom 91.0% in tier
- - Efficiency ratio 1.95% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
234,706
+17.3% YoY+8.7% QoQ
|
+4.4K |
230,353
-2.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$4.3B
+26.7% YoY+17.8% QoQ
|
+$362.6M |
$3.9B
+0.3% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$3.0B
+28.8% YoY+14.0% QoQ
|
+$86.3M |
$2.9B
-0.2% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$3.8B
+26.0% YoY+17.8% QoQ
|
+$505.4M |
$3.3B
-0.3% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.7%
-24.4% YoY-14.8% QoQ
|
+0.0% |
0.7%
+16.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
3.4%
-3.9% YoY-5.4% QoQ
|
+0.2% |
3.1%
+9.8% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
73.4%
+1.1% YoY+4.0% QoQ
|
+2.0% |
71.4%
-1.4% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.3%
+10.5% YoY+15.8% QoQ
|
-0.6 |
0.9%
+5.8% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 11.8% in tier |
| Loan To Share |
79.2%
+2.2% YoY-3.3% QoQ
|
-9.7% |
88.9%
-0.2% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$29,133
+8.4% YoY+6.8% QoQ
|
$-549 |
$29,682
+1.5% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
6.5%
+17.5% YoY+14.6% QoQ
|
-22.6% | 29.0% | 17.2% | 19.8% | Bottom 1.1% in tier |
| Indirect Auto % |
7.7%
-18.3% YoY-13.2% QoQ
|
-10.6% | 18.3% | 22.5% | 7.8% | 31% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)