BlastPoint's Credit Union Scorecard

ARIZONA CENTRAL

Charter #62881 · AZ

Community 500M-750M
165 CUs in 500M-750M nationally 3 in AZ
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ARIZONA CENTRAL has 7 strengths but faces 9 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 29.9% in tier
  • + Net Interest Margin 0.44% above tier average
  • + Total Loans: Top 1.8% in tier
  • + Total Deposits: Top 6.7% in tier
  • + Share Certificate Concentration (%): Top 7.9% in tier
  • + AMR Growth Rate: Top 9.1% in tier
  • + Total Assets: Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 14.3% in tier
  • - Membership Headwinds: Bottom 15.4% in tier
  • - Stagnation Risk: Bottom 38.5% in tier
  • - Liquidity Strain: Bottom 68.7% in tier
  • - Efficiency Drag: Bottom 94.6% in tier
  • - ROA 0.35% below tier average
  • - Efficiency ratio 6.11% above tier (higher cost structure)
  • - Member decline: -6.8% YoY
  • - Member Growth Rate: Bottom 4.8% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 47,159
-6.8% YoY-25.8% QoQ
 +8.6K 38,575
-4.8% YoY
 61,128
+6.4% YoY
 33,374
+5.7% YoY
 83%
Assets $722.4M
+4.9% YoY-0.0% QoQ
 +$100.7M $621.7M
+0.1% YoY
 $1.0B
+13.9% YoY
 $561.6M
+9.7% YoY
 Top 9.7% in tier
Loans $596.1M
+3.4% YoY+1.8% QoQ
 +$166.2M $429.8M
-1.8% YoY
 $668.7M
+14.2% YoY
 $397.0M
+8.8% YoY
 Top 2.4% in tier
Deposits $636.9M
+1.4% YoY-0.2% QoQ
 +$98.2M $538.7M
+0.6% YoY
 $919.7M
+13.3% YoY
 $477.3M
+9.7% YoY
 Top 7.3% in tier

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

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ROA 0.3%
-236.7% YoY+30.0% QoQ
 -0.4% 0.7%
+42.9% YoY
 0.7%
+37.2% YoY
 0.7%
+15.9% YoY
 22%
NIM 3.9%
+5.7% YoY+0.7% QoQ
 +0.4% 3.4%
+8.0% YoY
 4.0%
+4.9% YoY
 3.8%
+5.1% YoY
 81%
Efficiency Ratio 83.6%
-13.9% YoY-1.7% QoQ
 +6.1% 77.5%
-4.1% YoY
 75.5%
-2.7% YoY
 79.7%
-3.3% YoY
 78%
Delinquency Rate 0.7%
-52.8% YoY+19.0% QoQ
 -0.1 0.8%
-1.1% YoY
 1.0%
+13.7% YoY
 1.3%
-2.1% YoY
 47%
Loan To Share 93.6%
+2.0% YoY+2.0% QoQ
 +13.7% 79.8%
-2.3% YoY
 70.1%
-3.4% YoY
 67.4%
-1.7% YoY
 Top 14.5% in tier
AMR $26,145
+9.8% YoY+35.8% QoQ
 $-704 $26,849
+2.7% YoY
 $19,516
+4.9% YoY
 $19,687
+2.0% YoY
 55%
CD Concentration 16.3%
+17.8% YoY+3.5% QoQ
 -8.2% 24.4% 17.2% 19.8% 22%
Indirect Auto % 38.1%
-7.9% YoY-2.2% QoQ
 +24.3% 13.8% 22.5% 7.8% Top 9.7% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#154 of 513 • Top 29.9% in tier

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

Why This Signature
AMR Growth (YoY): 9.80%
(Tier: 4.17%, National: 4.00%)
better than tier avg
662 nationally
↑ Growing +180 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk
#73 of 506 • Bottom 14.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.87%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 38.10%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): -6.77%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline
#86 of 554 • Bottom 15.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -6.77%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
652 nationally
→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk
#214 of 554 • Bottom 38.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -6.77%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): 3.42%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 0.69%
(Tier: 0.89%, National: 1.28%)
but better than tier avg
652 nationally
→ No prior data (554 CUs now) | New qualifier

Liquidity Strain

risk
#157 of 228 • Bottom 68.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.58%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 3.42%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
228 of 282 Community CUs have this signature | 439 nationally
↓ Shrinking -37 CUs YoY | Rank improving

Efficiency Drag

risk
#509 of 538 • Bottom 94.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.63%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.53% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): -6.77%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
633 nationally
↓ Shrinking -98 CUs YoY | Rank worsening

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 165 peers in tier

Top Strengths (9 metrics)

4
Total Loans
balance_sheet
Value: $596.05M
Peer Median: -
#4 of 165 Top 1.8% in 500M-750M tier
12
Total Deposits
balance_sheet
Value: $636.94M
Peer Median: -
#12 of 165 Top 6.7% in 500M-750M tier
14
Share Certificate Concentration (%)
balance_sheet
Value: 16.27%
Peer Median: -
#14 of 165 Top 7.9% in 500M-750M tier
16
AMR Growth Rate
growth
Value: 9.80%
Peer Median: -
#16 of 165 Top 9.1% in 500M-750M tier
16
Total Assets
balance_sheet
Value: $722.42M
Peer Median: -
#16 of 165 Top 9.1% in 500M-750M tier
23
First Mortgage Concentration (%)
balance_sheet
Value: 16.95%
Peer Median: -
#23 of 165 Top 13.3% in 500M-750M tier
24
Loan-to-Share Ratio
balance_sheet
Value: 93.58%
Peer Median: -
#24 of 165 Top 13.9% in 500M-750M tier
28
Total Members
engagement
Value: 47,159
Peer Median: -
#28 of 165 Top 16.4% in 500M-750M tier
32
Net Interest Margin (NIM)
profitability
Value: 3.89%
Peer Median: -
#32 of 165 Top 18.8% in 500M-750M tier

Top Weaknesses (6 metrics)

158
Member Growth Rate
growth
Value: -6.77%
Peer Median: -
#158 of 165 Bottom 4.8% in 500M-750M tier
146
Indirect Auto Concentration (%)
balance_sheet
Value: 38.10%
Peer Median: -
#146 of 165 Bottom 12.1% in 500M-750M tier
143
Net Worth Ratio
risk
Value: 8.67%
Peer Median: -
#143 of 165 Bottom 13.9% in 500M-750M tier
129
Return on Assets (ROA)
profitability
Value: 0.31%
Peer Median: -
#129 of 165 Bottom 22.4% in 500M-750M tier
129
Efficiency Ratio
profitability
Value: 83.63%
Peer Median: -
#129 of 165 Bottom 22.4% in 500M-750M tier
128
Deposit Growth Rate
growth
Value: 1.42%
Peer Median: -
#128 of 165 Bottom 23.0% in 500M-750M tier
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