ARIZONA CENTRAL

Charter #62881 | AZ

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in AZ

ARIZONA CENTRAL has 8 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 22.5% in tier
  • + Net Interest Margin 0.43% above tier average
  • + Strong member growth: 12.2% YoY
  • + Total Loans: Top 4.1% in tier
  • + Total Members: Top 4.7% in tier
  • + Member Growth Rate: Top 5.3% in tier
  • + Total Deposits: Top 5.9% in tier
  • + Share Certificate Concentration (%): Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 2.4% in tier
  • - Indirect Auto Dependency: Bottom 14.3% in tier
  • - Efficiency Drag: Bottom 27.1% in tier
  • - Liquidity Strain: Bottom 30.1% in tier
  • - ROA 0.42% below tier average
  • - Efficiency ratio 6.98% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 4.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 63,554
+12.2% YoY+32.8% QoQ
 +23.8K 39,752
-2.7% YoY
 60,829
+5.9% YoY
 33,089
+6.1% YoY
 Top 5.3% in tier
Assets $722.7M
+4.5% YoY+0.1% QoQ
 +$100.4M $622.4M
+0.3% YoY
 $1.0B
+8.7% YoY
 $547.7M
+7.8% YoY
 Top 11.2% in tier
Loans $585.7M
+1.0% YoY+0.9% QoQ
 +$149.8M $435.9M
-0.4% YoY
 $651.1M
+13.2% YoY
 $388.7M
+8.6% YoY
 Top 4.7% in tier
Deposits $638.2M
+1.8% YoY-0.3% QoQ
 +$100.2M $538.0M
+1.3% YoY
 $883.8M
+10.9% YoY
 $464.6M
+9.3% YoY
 Top 6.5% in tier
ROA 0.2%
-230.8% YoY+89.7% QoQ
 -0.4% 0.7%
+33.9% YoY
 0.8%
+38.7% YoY
 0.7%
+273.4% YoY
 Bottom 20.7% in tier
NIM 3.9%
+10.1% YoY+2.3% QoQ
 +0.4% 3.4%
+8.6% YoY
 4.0%
+6.6% YoY
 3.7%
+5.0% YoY
 Top 19.5% in tier
Efficiency Ratio 85.1%
-12.6% YoY-1.3% QoQ
 +7.0% 78.1%
-3.4% YoY
 75.3%
-3.3% YoY
 79.1%
-3.3% YoY
 Top 21.3% in tier
Delinquency Rate 0.6%
-41.5% YoY-27.1% QoQ
 -0.2 0.8%
-4.9% YoY
 0.9%
+2.1% YoY
 1.2%
-0.9% YoY
 44th in tier
Loan To Share 91.8%
-0.8% YoY+1.1% QoQ
 +10.8% 81.0%
-1.8% YoY
 71.1%
-3.6% YoY
 68.0%
-1.7% YoY
 Top 23.7% in tier
AMR $19,258
-9.6% YoY-24.5% QoQ
 $-7K $26,482
+2.6% YoY
 $19,058
+3.8% YoY
 $19,418
+1.3% YoY
 Bottom 11.8% in tier
CD Concentration 15.7%
+16.4% YoY+2.1% QoQ
 -8.7% 24.4%
+4.2% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 Bottom 21.1% in tier
Indirect Auto % 39.0%
-10.1% YoY-0.8% QoQ
 +25.0% 14.0%
-5.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 Top 9.4% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#413 of 603 • Top 22.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 12.19%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.24%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 38.97%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (4)

Shrinking Wallet Share

decline
#25 of 244 • Bottom 2.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -9.63%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#231 of 525 • 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): 4.52%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 38.97%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 12.19%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Efficiency Drag

risk
#479 of 521 • Bottom 27.1% in tier

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

Why This Signature
Efficiency Ratio: 85.08%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.42% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 12.19%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Liquidity Strain

risk
#234 of 258 • Bottom 30.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.78%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.96%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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 169 peers in tier

Top Strengths (10 metrics)

8
Total Loans
balance_sheet
Value: $585.74M
Peer Avg: $435.95M
#8 of 169 Top 4.1% in 500M-750M tier
9
Total Members
engagement
Value: 63,554
Peer Avg: 39,752
#9 of 169 Top 4.7% in 500M-750M tier
10
Member Growth Rate
growth
Value: 12.19%
Peer Avg: 1.75%
#10 of 169 Top 5.3% in 500M-750M tier
11
Total Deposits
balance_sheet
Value: $638.18M
Peer Avg: $538.02M
#11 of 169 Top 5.9% in 500M-750M tier
13
Share Certificate Concentration (%)
balance_sheet
Value: 15.73%
Peer Avg: 26.87%
#13 of 169 Top 7.1% in 500M-750M tier
19
Total Assets
balance_sheet
Value: $722.74M
Peer Avg: $622.38M
#19 of 169 Top 10.7% in 500M-750M tier
20
First Mortgage Concentration (%)
balance_sheet
Value: 15.50%
Peer Avg: 33.53%
#20 of 169 Top 11.2% in 500M-750M tier
33
Net Interest Margin (NIM)
profitability
Value: 3.86%
Peer Avg: 3.43%
#33 of 169 Top 18.9% in 500M-750M tier
40
Loan-to-Share Ratio
balance_sheet
Value: 91.78%
Peer Avg: 81.02%
#40 of 169 Top 23.1% in 500M-750M tier
40
Members Per Employee (MPE)
engagement
Value: 389.902
Peer Avg: 338.010
#40 of 169 Top 23.1% in 500M-750M tier

Top Weaknesses (8 metrics)

163
AMR Growth Rate
growth
Value: -9.63%
Peer Avg: 3.12%
#163 of 169 Bottom 4.1% in 500M-750M tier
153
Indirect Auto Concentration (%)
balance_sheet
Value: 38.97%
Peer Avg: 16.19%
#153 of 169 Bottom 10.1% in 500M-750M tier
149
Average Member Relationship (AMR)
engagement
Value: $19,258
Peer Avg: $26,482
#149 of 169 Bottom 12.4% in 500M-750M tier
142
Net Worth Ratio
risk
Value: 8.72%
Peer Avg: 10.94%
#142 of 169 Bottom 16.6% in 500M-750M tier
134
Return on Assets (ROA)
profitability
Value: 0.24%
Peer Avg: 0.66%
#134 of 169 Bottom 21.3% in 500M-750M tier
134
Efficiency Ratio
profitability
Value: 85.08%
Peer Avg: 78.10%
#134 of 169 Bottom 21.3% in 500M-750M tier
128
Fee Income Per Member
profitability
Value: $148.54
Peer Avg: $199.27
#128 of 169 Bottom 24.9% in 500M-750M tier
128
Loan-to-Member Ratio (LMR)
engagement
Value: $9,216
Peer Avg: $11,805
#128 of 169 Bottom 24.9% in 500M-750M tier