BlastPoint's Credit Union Scorecard

LANDINGS

Charter #62937 · AZ

1077 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 0.43% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 2.4% in tier
- Stagnation Risk: Bottom 13.4% in tier
- Credit Quality Pressure: Bottom 18.8% in tier
- Institutional Decline: Bottom 20.6% in tier
- Membership Headwinds: Bottom 25.2% in tier
- Indirect Auto Concentration (%): Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	15,147 -1.4% YoY+0.0% QoQ	-481	15,628 -3.4% YoY	60,829 +5.9% YoY	33,089 +6.1% YoY	58%
Assets	$251.4M +4.3% YoY+0.5% QoQ	+$20.1M	$231.3M -0.0% YoY	$1.0B +8.7% YoY	$547.7M +7.8% YoY	64%
Loans	$150.3M -5.2% YoY+0.2% QoQ	+$2.5M	$147.8M -1.4% YoY	$651.1M +13.2% YoY	$388.7M +8.6% YoY	61%
Deposits	$223.4M +3.6% YoY+0.4% QoQ	+$23.1M	$200.3M -0.0% YoY	$883.8M +10.9% YoY	$464.6M +9.3% 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% +3.6% YoY-2.5% QoQ	+0.2%	0.8% +15.5% YoY	0.8% +38.7% YoY	0.7% +273.4% YoY	65%
NIM	4.0% +0.9% YoY+1.0% QoQ	+0.4%	3.6% +6.9% YoY	4.0% +6.6% YoY	3.7% +5.0% YoY	74%
Efficiency Ratio	71.3% -3.3% YoY-0.4% QoQ	-5.9%	77.3% -3.0% YoY	75.3% -3.3% YoY	79.1% -3.3% YoY	29%
Delinquency Rate	0.8% +15.5% YoY+27.7% QoQ	-0.0	0.9% +7.6% YoY	0.9% +2.1% YoY	1.2% -0.9% YoY	63%
Loan To Share	67.3% -8.5% YoY-0.3% QoQ	-5.4%	72.7% -1.5% YoY	71.1% -3.6% YoY	68.0% -1.7% YoY	34%
AMR	$24,671 +1.3% YoY+0.3% QoQ	+$308	$24,363 +2.9% YoY	$19,058 +3.8% YoY	$19,418 +1.3% YoY	63%
CD Concentration	24.9% +23.9% YoY+6.6% QoQ	+0.5%	24.4% +4.2% YoY	16.8% +14.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	52.4% -6.6% YoY-2.1% QoQ	+38.4%	14.0% -5.7% YoY	23.2% -8.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#40 of 525 • Bottom 2.4% in tier

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

Why This Signature

Asset Growth (YoY): 4.26%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 52.38%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.38%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY

Stagnation Risk

risk

#221 of 550 • Bottom 13.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.38%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.21%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.84%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#466 of 736 • Bottom 18.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Institutional Decline

decline

#163 of 256 • Bottom 20.6% in tier

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

Why This Signature

Total Assets: $251.40M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.38%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.21%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Membership Headwinds

decline

#416 of 550 • Bottom 25.2% in tier

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

Why This Signature

Member Growth (YoY): -1.38%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (1 metrics)

159

First Mortgage Concentration (%)

balance_sheet

Value: 11.59%

Peer Avg: -

#159 of 1077 Top 14.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1046

Indirect Auto Concentration (%)

balance_sheet

Value: 52.38%

Peer Avg: -

#1046 of 1077 Bottom 3.0% in 100M-500M tier

950

Loan Growth Rate

growth

Value: -5.21%

Peer Avg: -

#950 of 1077 Bottom 11.9% in 100M-500M tier