BlastPoint's Credit Union Scorecard
LANDINGS
Charter #62937 · AZ
LANDINGS has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.19% 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
- - Delinquency rate 0.57% above tier average
- - Indirect Auto Concentration (%): Bottom 3.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,054
-1.2% YoY-0.1% QoQ
|
-91 |
15,145
-2.5% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
59% |
| Assets |
$264.2M
+6.0% YoY+3.7% QoQ
|
+$32.5M |
$231.7M
+0.8% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
67% |
| Loans |
$145.9M
-4.9% YoY-1.8% QoQ
|
+$1.7M |
$144.1M
+0.2% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$236.1M
+5.7% YoY+4.5% QoQ
|
+$34.9M |
$201.1M
+0.4% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
1.0%
+21.4% YoY+7.2% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.8%
-2.7% YoY-3.9% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
75.6%
+1.5% YoY+4.1% QoQ
|
-2.5% |
78.0%
-1.7% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate |
1.3%
+121.9% YoY+104.7% QoQ
|
+0.6 |
0.8%
+7.1% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.8% in tier |
| Loan To Share |
61.8%
-10.1% YoY-6.0% QoQ
|
-8.6% |
70.4%
-0.4% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$25,372
+2.6% YoY+2.2% QoQ
|
+$454 |
$24,918
+2.7% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
25.0%
+12.0% YoY+1.1% QoQ
|
+0.7% | 24.3% | 17.3% | 19.8% | 50% |
| Indirect Auto % |
51.9%
-5.6% YoY+0.8% QoQ
|
+38.1% | 13.8% | 21.9% | 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)