BlastPoint's Credit Union Scorecard
LANDINGS
Charter #62937 · AZ
LANDINGS has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Arizona.
- Shares and deposits +5.3% year over year ($234M in shares and deposits).
- Membership: 15,067 members, -0.5% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.91%.
- Efficiency ratio 74.11% vs a 76.73% peer average.
- Loan-to-share ratio 61.63% vs a 71.54% 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 |
15,067
-0.5% YoY+0.1% QoQ
|
-101 |
15,168
-2.6% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$263.2M
+5.3% YoY-0.4% QoQ
|
+$31.2M |
$232.0M
+0.7% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$144.4M
-3.8% YoY-1.0% QoQ
|
$-1.9M |
$146.3M
+0.2% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$234.3M
+5.3% YoY-0.8% QoQ
|
+$33.6M |
$200.7M
+0.2% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
0.9%
-9.7% YoY-11.9% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
3.9%
-2.7% YoY+1.0% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
74.1%
+3.4% YoY-1.9% QoQ
|
-2.6% |
76.7%
-0.8% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
0.8%
+19.6% YoY-41.3% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
61.6%
-8.6% YoY-0.3% QoQ
|
-9.9% |
71.5%
-0.3% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$25,130
+2.2% YoY-1.0% QoQ
|
+$24 |
$25,107
+3.2% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
25.9%
+10.7% YoY+3.7% QoQ
|
+1.3% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % |
50.5%
-5.7% YoY-2.8% QoQ
|
+36.9% | 13.6% | 21.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)