BlastPoint's Credit Union Scorecard

WINSLOW SANTA FE

Charter #63627 · AZ

2556 CUs in <100M nationally 12 in AZ

WINSLOW SANTA FE demonstrates 5 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.45% above tier average
  • + Net Interest Margin 0.87% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 1,803
+1.4% YoY+0.7% QoQ
-812 2,615
-1.9% YoY
61,128
+6.4% YoY
33,374
+5.7% YoY
47%
Assets $15.0M
-2.1% YoY-1.3% QoQ
$-15.2M $30.1M
+2.1% YoY
$1.0B
+13.9% YoY
$561.6M
+9.7% YoY
41%
Loans $10.5M
-3.8% YoY+1.3% QoQ
$-5.2M $15.8M
-1.3% YoY
$668.7M
+14.2% YoY
$397.0M
+8.8% YoY
52%
Deposits $13.0M
-4.7% YoY-2.1% QoQ
$-12.7M $25.7M
+1.4% YoY
$919.7M
+13.3% YoY
$477.3M
+9.7% YoY
42%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 2.1%
+28.4% YoY-0.5% QoQ
+1.5% 0.6%
+10.8% YoY
0.7%
+37.2% YoY
0.7%
+15.9% YoY
Top 6.1% in tier
NIM 4.8%
+8.9% YoY+1.4% QoQ
+0.9% 4.0%
+4.0% YoY
4.0%
+4.9% YoY
3.8%
+5.1% YoY
82%
Efficiency Ratio 58.3%
-1.4% YoY+0.2% QoQ
-24.2% 82.6%
-2.3% YoY
75.5%
-2.7% YoY
79.7%
-3.3% YoY
Bottom 9.4% in tier
Delinquency Rate 0.5%
-1.8% YoY+398.3% QoQ
-1.1 1.6%
-3.1% YoY
1.0%
+13.7% YoY
1.3%
-2.1% YoY
39%
Loan To Share 81.2%
+0.9% YoY+3.4% QoQ
+20.6% 60.6%
-3.1% YoY
70.1%
-3.4% YoY
67.4%
-1.7% YoY
80%
AMR $13,051
-5.6% YoY-1.3% QoQ
$-2K $14,783
-1.4% YoY
$19,516
+4.9% YoY
$19,687
+2.0% YoY
46%
CD Concentration 0.0% -24.4% 24.4% 17.2% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 22.5% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
156
Return on Assets (ROA)
profitability
Value: 2.07%
Peer Median: -
#156 of 2556 Top 6.1% in <100M tier
242
Efficiency Ratio
profitability
Value: 58.31%
Peer Median: -
#242 of 2556 Top 9.4% in <100M tier
464
Net Interest Margin (NIM)
profitability
Value: 4.82%
Peer Median: -
#464 of 2556 Top 18.1% in <100M tier
510
Member Growth Rate
growth
Value: 1.41%
Peer Median: -
#510 of 2556 Top 19.9% in <100M tier
517
Loan-to-Share Ratio
balance_sheet
Value: 81.22%
Peer Median: -
#517 of 2556 Top 20.2% in <100M tier

Top Weaknesses (2 metrics)

2200
AMR Growth Rate
growth
Value: -5.61%
Peer Median: -
#2200 of 2556 Bottom 14.0% in <100M tier
2076
Deposit Growth Rate
growth
Value: -4.69%
Peer Median: -
#2076 of 2556 Bottom 18.8% in <100M tier
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