ONEAZ

Charter #61315 | AZ

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in AZ

ONEAZ has 8 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 2.9% in tier
  • + Organic Growth Leader: Top 5.4% in tier
  • + Relationship Depth Leader: Top 18.3% in tier
  • + Wallet Share Momentum: Top 24.8% in tier
  • + ROA 0.11% above tier average
  • + Net Interest Margin 0.37% above tier average
  • + Strong member growth: 8.4% YoY
  • + Share Certificate Concentration (%): Top 1.3% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 7.2% in tier
  • - Credit Quality Pressure: Bottom 20.0% in tier
  • - Margin Compression: Bottom 22.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 215,912
+8.4% YoY+2.3% QoQ
 -22.6K 238,465
+0.6% YoY
 60,829
+5.9% YoY
 33,089
+6.1% YoY
 46th in tier
Assets $3.7B
+8.6% YoY+1.3% QoQ
 $-318.4M $4.0B
-0.1% YoY
 $1.0B
+8.7% YoY
 $547.7M
+7.8% YoY
 36th in tier
Loans $2.7B
+16.7% YoY+4.9% QoQ
 $-367.7M $3.0B
+3.3% YoY
 $651.1M
+13.2% YoY
 $388.7M
+8.6% YoY
 Bottom 25.0% in tier
Deposits $3.2B
+8.1% YoY+1.1% QoQ
 $-94.2M $3.3B
+1.1% YoY
 $883.8M
+10.9% YoY
 $464.6M
+9.3% YoY
 42nd in tier
ROA 0.9%
-14.6% YoY-15.7% QoQ
 +0.1% 0.7%
+5.3% YoY
 0.8%
+38.7% YoY
 0.7%
+273.4% YoY
 57th in tier
NIM 3.6%
+1.7% YoY+0.9% QoQ
 +0.4% 3.2%
+13.7% YoY
 4.0%
+6.6% YoY
 3.7%
+5.0% YoY
 68th in tier
Efficiency Ratio 70.5%
-2.3% YoY+0.3% QoQ
 -0.7% 71.3%
-0.6% YoY
 75.3%
-3.3% YoY
 79.1%
-3.3% YoY
 49th in tier
Delinquency Rate 0.3%
+29.0% YoY-6.2% QoQ
 -0.6 0.8%
+15.9% YoY
 0.9%
+2.1% YoY
 1.2%
-0.9% YoY
 Bottom 11.8% in tier
Loan To Share 81.9%
+7.9% YoY+3.8% QoQ
 -9.0% 90.8%
+2.0% YoY
 71.1%
-3.6% YoY
 68.0%
-1.7% YoY
 Bottom 19.7% in tier
AMR $27,281
+3.1% YoY+0.5% QoQ
 $-2K $29,088
+0.1% YoY
 $19,058
+3.8% YoY
 $19,418
+1.3% YoY
 42nd in tier
CD Concentration 5.6%
+1.9% YoY-1.9% QoQ
 -23.3% 29.0%
+0.8% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 Bottom 1.1% in tier
Indirect Auto % 8.9%
-12.7% YoY+2.9% QoQ
 -9.9% 18.8%
-2.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 33rd in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#22 of 246 • Top 2.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.44%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.85%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 8.88%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth
#22 of 138 • Top 5.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.44%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Relationship Depth Leader

growth
#133 of 264 • Top 18.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.13%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.5K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#180 of 264 • Top 24.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.13%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (3)

Growth-at-Risk

risk
#41 of 161 • Bottom 7.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 16.67%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#154 of 217 • Bottom 20.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Margin Compression

decline
#19 of 24 • Bottom 22.0% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.85%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.15% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $3.65B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | New qualifier

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 76 peers in tier

Top Strengths (7 metrics)

2
Share Certificate Concentration (%)
balance_sheet
Value: 5.64%
Peer Avg: 30.70%
#2 of 76 Top 1.3% in 3B-5B tier
9
Member Growth Rate
growth
Value: 8.44%
Peer Avg: 7.02%
#9 of 76 Top 10.5% in 3B-5B tier
9
Loan Growth Rate
growth
Value: 16.67%
Peer Avg: 9.56%
#9 of 76 Top 10.5% in 3B-5B tier
10
Total Delinquency Rate (60+ days)
risk
Value: 0.27%
Peer Avg: 0.84%
#10 of 76 Top 11.8% in 3B-5B tier
17
Asset Growth Rate
growth
Value: 8.62%
Peer Avg: 7.42%
#17 of 76 Top 21.1% in 3B-5B tier
19
Fee Income Per Member
profitability
Value: $240.00
Peer Avg: $191.96
#19 of 76 Top 23.7% in 3B-5B tier
19
Indirect Auto Concentration (%)
balance_sheet
Value: 8.88%
Peer Avg: 20.57%
#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (1 metrics)

61
Loan-to-Share Ratio
balance_sheet
Value: 81.86%
Peer Avg: 90.85%
#61 of 76 Bottom 21.1% in 3B-5B tier