BlastPoint's Credit Union Scorecard

LANDINGS

Charter #62937 · AZ

1069 CUs in 100M-500M nationally 8 in AZ

LANDINGS has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?
AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.20% above tier average
  • + Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 8.3% in tier
  • - Stagnation Risk: Bottom 44.7% in tier
  • - Institutional Decline: Bottom 52.3% in tier
  • - Membership Headwinds: Bottom 69.4% in tier
  • - Indirect Auto Concentration (%): Bottom 3.2% in tier
  • - Loan Growth Rate: Bottom 8.8% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 15,073
-1.7% YoY-0.5% QoQ
 -364 15,437
-2.9% YoY
 61,128
+6.4% YoY
 33,374
+5.7% YoY
 58%
Assets $254.7M
+4.9% YoY+1.3% QoQ
 +$22.9M $231.9M
+1.3% YoY
 $1.0B
+13.9% YoY
 $561.6M
+9.7% YoY
 65%
Loans $148.5M
-5.8% YoY-1.2% QoQ
 +$1.2M $147.3M
-0.1% YoY
 $668.7M
+14.2% YoY
 $397.0M
+8.8% YoY
 60%
Deposits $225.9M
+4.1% YoY+1.1% QoQ
 +$25.1M $200.8M
+0.8% YoY
 $919.7M
+13.3% YoY
 $477.3M
+9.7% YoY
 65%

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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 1.0%
-7.6% YoY-1.9% QoQ
 +0.2% 0.8%
+18.2% YoY
 0.7%
+37.2% YoY
 0.7%
+15.9% YoY
 66%
NIM 4.0%
-0.3% YoY-0.7% QoQ
 +0.4% 3.6%
+6.7% YoY
 4.0%
+4.9% YoY
 3.8%
+5.1% YoY
 72%
Efficiency Ratio 72.6%
-0.5% YoY+1.8% QoQ
 -4.4% 77.0%
-3.1% YoY
 75.5%
-2.7% YoY
 79.7%
-3.3% YoY
 32%
Delinquency Rate 0.7%
-3.9% YoY-22.1% QoQ
 -0.2 0.9%
+4.2% YoY
 1.0%
+13.7% YoY
 1.3%
-2.1% YoY
 46%
Loan To Share 65.7%
-9.5% YoY-2.3% QoQ
 -6.5% 72.2%
-1.1% YoY
 70.1%
-3.4% YoY
 67.4%
-1.7% YoY
 33%
AMR $24,837
+1.7% YoY+0.7% QoQ
 +$161 $24,676
+3.4% YoY
 $19,516
+4.9% YoY
 $19,687
+2.0% YoY
 62%
CD Concentration 24.7%
+21.8% YoY-0.9% QoQ
 +0.3% 24.4% 17.2% 19.8% 50%
Indirect Auto % 51.5%
-6.4% YoY-1.6% QoQ
 +37.7% 13.8% 22.5% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk
#43 of 506 • Bottom 8.3% in tier

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

Why This Signature
Asset Growth (YoY): 4.95%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 51.53%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): -1.73%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank worsening

Stagnation Risk

risk
#248 of 554 • Bottom 44.7% 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): -1.73%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -5.84%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 0.65%
(Tier: 0.89%, National: 1.28%)
but better than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline
#126 of 240 • Bottom 52.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $254.72M
(Tier: $334.15M, National: $561.61M)
worse than tier avg
Member Growth (YoY): -1.73%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -5.84%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally
→ No prior data (240 CUs now) | New qualifier

Membership Headwinds

decline
#385 of 554 • Bottom 69.4% in tier

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

Why This Signature
Member Growth (YoY): -1.73%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (1 metrics)

167
First Mortgage Concentration (%)
balance_sheet
Value: 12.53%
Peer Median: -
#167 of 1069 Top 15.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1036
Indirect Auto Concentration (%)
balance_sheet
Value: 51.53%
Peer Median: -
#1036 of 1069 Bottom 3.2% in 100M-500M tier
976
Loan Growth Rate
growth
Value: -5.84%
Peer Median: -
#976 of 1069 Bottom 8.8% in 100M-500M tier
823
Net Charge-Off Rate
risk
Value: 0.65%
Peer Median: -
#823 of 1069 Bottom 23.1% in 100M-500M tier
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