BlastPoint's Credit Union Scorecard
AZURA
Charter #61823 · KS
AZURA has 2 strengths but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 97.3% in tier
- + Net Interest Margin 0.53% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 21.8% in tier
- - Indirect Auto Dependency: Bottom 22.0% in tier
- - Stagnation Risk: Bottom 23.0% in tier
- - Membership Headwinds: Bottom 32.0% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 2.73% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Indirect Auto Concentration (%): Bottom 7.7% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,228
-4.2% YoY-4.4% QoQ
|
+8.1K |
52,084
-1.6% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$830.3M
+2.7% YoY+0.7% QoQ
|
$-33.6M |
$863.9M
+0.5% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$580.9M
-3.0% YoY-0.8% QoQ
|
$-24.9M |
$605.8M
+1.4% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$720.9M
+3.9% YoY+1.3% QoQ
|
$-16.4M |
$737.3M
+0.1% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
44% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-25.2% YoY+54.2% QoQ
|
-0.4% |
0.7%
+39.1% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.9%
+4.0% YoY+0.7% QoQ
|
+0.5% |
3.4%
+8.7% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
77.1%
+2.9% YoY-2.1% QoQ
|
+2.7% |
74.3%
-3.6% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.8%
-27.3% YoY+36.5% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
80.6%
-6.6% YoY-2.1% QoQ
|
-2.0% |
82.6%
+1.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$21,615
+5.1% YoY+5.0% QoQ
|
$-7K |
$28,873
+2.7% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
31.9%
+1.8% YoY-1.7% QoQ
|
+7.5% | 24.4% | 24.6% | 19.8% | 76% |
| Indirect Auto % |
42.4%
-12.4% YoY-8.3% QoQ
|
+28.6% | 13.8% | 12.2% | 7.8% | Top 7.0% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)