BlastPoint's Credit Union Scorecard
ONEAZ
Charter #61315 · AZ
ONEAZ has 7 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 Engine: Top 2.9% in tier
- + Organic Growth Leader: Top 5.4% in tier
- + Credit Quality Leader: Top 39.4% 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
- - Credit Risk Growth: 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
|
46% |
| 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
|
36% |
| 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
|
25% |
| 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
|
42% |
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| 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
|
57% |
| 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
|
68% |
| 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
|
49% |
| 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
|
20% |
| 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
|
42% |
| CD Concentration |
5.6%
+1.9% YoY-1.9% QoQ
|
-23.3% |
29.0%
+0.7% 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%
-3.0% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
33% |
Signature Analysis
Strengths (3)
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 (<20%). Healthy, sustainable growth model.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)