BlastPoint's Credit Union Scorecard
ARIZONA CENTRAL
Charter #62881 · AZ
ARIZONA CENTRAL has 5 strengths but faces 8 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
- + Wallet Share Momentum: Top 24.0% in tier
- + Net Interest Margin 0.48% above tier average
- + Total Loans: Top 1.2% in tier
- + Total Assets: Top 6.1% in tier
- + Total Deposits: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8.7% in tier
- - Credit Quality Pressure: Bottom 29.5% in tier
- - Efficiency Drag: Bottom 35.5% in tier
- - Credit Risk Growth: Bottom 38.6% in tier
- - Indirect Auto Dependency: Bottom 73.2% in tier
- - Membership Headwinds: Bottom 82.7% in tier
- - Stagnation Risk: Bottom 82.7% in tier
- - ROA 0.31% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in Arizona.
- Shares and deposits +1.3% year over year ($648M in shares and deposits).
- Membership: 46,292 members, -3.3% vs a year ago.
- Delinquency rate 0.97%.
- Return on assets 0.51%.
- Efficiency ratio 81.51% vs a 76.56% peer average.
- Loan-to-share ratio 94.45% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,292
-3.3% YoY-1.0% QoQ
|
+8.4K |
37,897
-5.0% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$733.4M
+1.5% YoY-0.0% QoQ
|
+$111.0M |
$622.4M
+0.6% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
Top 6.7% in tier |
| Loans |
$612.1M
+5.4% YoY+1.3% QoQ
|
+$183.6M |
$428.5M
-0.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
Top 1.8% in tier |
| Deposits |
$648.0M
+1.3% YoY-0.2% QoQ
|
+$108.3M |
$539.8M
+0.9% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Top 6.7% in tier |
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| ROA |
0.5%
+310.0% YoY+55.8% QoQ
|
-0.3% |
0.8%
+39.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
4.0%
+6.1% YoY+1.8% QoQ
|
+0.5% |
3.5%
+5.0% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
81.5%
-5.5% YoY-1.9% QoQ
|
+5.0% |
76.6%
-3.6% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
1.0%
+21.0% YoY+44.3% QoQ
|
+0.2 |
0.8%
+3.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
94.5%
+4.1% YoY+1.5% QoQ
|
+15.1% |
79.3%
-1.4% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 14.5% in tier |
| AMR |
$27,222
+6.8% YoY+1.6% QoQ
|
$-73 |
$27,294
+4.1% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
17.4%
+13.0% YoY+5.6% QoQ
|
-7.1% | 24.6% | 17.9% | 20.0% | 25% |
| Indirect Auto % |
34.2%
-12.8% YoY-6.6% QoQ
|
+20.6% | 13.6% | 21.3% | 7.7% | Bottom 12.6% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)