BlastPoint's Credit Union Scorecard

ARIZONA CENTRAL

Charter #62881 · AZ

Community 500M-750M

167 CUs in 500M-750M nationally 3 in AZ

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ARIZONA CENTRAL has 5 strengths but faces 8 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 22.9% in tier
+ Net Interest Margin 0.47% above tier average
+ Total Loans: Top 1.2% in tier
+ Total Assets: Top 6.0% in tier
+ Total Deposits: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.9% in tier
- Efficiency Drag: Bottom 32.7% in tier
- Credit Quality Pressure: Bottom 40.0% in tier
- Credit Risk Growth: Bottom 40.6% in tier
- Indirect Auto Dependency: Bottom 75.3% in tier
- Membership Headwinds: Bottom 84.0% in tier
- Stagnation Risk: Bottom 84.0% in tier
- ROA 0.36% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	46,768 -3.5% YoY-0.8% QoQ	+8.7K	38,079 -4.8% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	83%
Assets	$733.7M +1.2% YoY+1.6% QoQ	+$114.1M	$619.7M -0.2% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	Top 6.6% in tier
Loans	$604.1M +4.9% YoY+1.3% QoQ	+$184.8M	$419.3M -1.4% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	Top 1.8% in tier
Deposits	$649.4M +1.4% YoY+2.0% QoQ	+$109.9M	$539.5M -0.1% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	Top 7.2% 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% +6.7% QoQ	-0.4%	0.7% +36.0% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	25%
NIM	3.9% +4.4% YoY+1.2% QoQ	+0.5%	3.5% +4.5% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	83%
Efficiency Ratio	83.1% -7.0% YoY-0.6% QoQ	+4.7%	78.4% -3.7% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	0.7% +12.6% YoY-3.4% QoQ	+0.0	0.7% -0.9% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	56%
Loan To Share	93.0% +3.5% YoY-0.6% QoQ	+15.3%	77.7% -1.2% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	Top 11.4% in tier
AMR	$26,803 +6.7% YoY+2.5% QoQ	$-125	$26,927 +3.1% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	59%
CD Concentration	16.5% +11.9% YoY+1.3% QoQ	-7.8%	24.3%	17.3%	19.8%	23%
Indirect Auto %	36.7% -4.1% YoY-3.7% QoQ	+22.9%	13.8%	21.9%	7.7%	Bottom 10.6% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#305 of 491 • Top 22.9% in tier

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

Why This Signature

AMR Growth (YoY): 6.72%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (7)

Membership Headwinds

decline

#215 of 570 • Bottom 84.0% in tier

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

Why This Signature

Member Growth (YoY): -3.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#192 of 504 • Bottom 75.3% in tier

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

Why This Signature

Asset Growth (YoY): 1.21%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 36.68%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Stagnation Risk

risk

#303 of 570 • Bottom 84.0% 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): -3.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 4.86%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.67%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Strain

risk

#110 of 183 • Bottom 7.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.02%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.86%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#534 of 727 • Bottom 40.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#364 of 476 • Bottom 40.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.86%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#487 of 596 • Bottom 32.7% in tier

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

Why This Signature

Efficiency Ratio: 83.09%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.30% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (9 metrics)

Total Loans

balance_sheet

Value: $604.09M

Peer Median: $427.27M

#3 of 167 Top 1.2% in 500M-750M tier

Total Assets

balance_sheet

Value: $733.74M

Peer Median: $619.16M

#11 of 167 Top 6.0% in 500M-750M tier

Total Deposits

balance_sheet

Value: $649.41M

Peer Median: $543.36M

#12 of 167 Top 6.6% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.02%

Peer Median: 79.97%

#19 of 167 Top 10.8% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.49%

Peer Median: 26.29%

#19 of 167 Top 10.8% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.94%

Peer Median: 3.48%

#28 of 167 Top 16.2% in 500M-750M tier

Total Members

engagement

Value: 46,768

Peer Median: 36,874

#28 of 167 Top 16.2% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.32%

Peer Median: 32.87%

#29 of 167 Top 16.8% in 500M-750M tier

AMR Growth Rate

growth

Value: 6.72%

Peer Median: 4.03%

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (3 metrics)

147

Member Growth Rate

growth

Value: -3.46%

Peer Median: 1.03%

#147 of 167 Bottom 12.6% in 500M-750M tier

146

Indirect Auto Concentration (%)

balance_sheet

Value: 36.68%

Peer Median: 10.91%

#146 of 167 Bottom 13.2% in 500M-750M tier

144

Net Worth Ratio

risk

Value: 8.62%

Peer Median: 10.35%

#144 of 167 Bottom 14.4% in 500M-750M tier