BlastPoint's Credit Union Scorecard
TUCSON OLD PUEBLO
Charter #66116 · AZ
TUCSON OLD PUEBLO has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 55.9% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 8.26% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
Core Metrics
As of 2024-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,005
-2.9% YoY-1.1% QoQ
|
+1.1K |
15,900
-2.6% YoY
|
57,441
+3.3% YoY
|
31,574
+5.6% YoY
|
64% |
| Assets |
$211.2M
+0.5% YoY-0.1% QoQ
|
$-17.8M |
$229.0M
-0.1% YoY
|
$918.2M
+5.4% YoY
|
$512.2M
+5.7% YoY
|
55% |
| Loans |
$140.4M
-12.3% YoY-2.1% QoQ
|
$-7.1M |
$147.5M
-2.2% YoY
|
$585.7M
+8.7% YoY
|
$364.9M
+6.1% YoY
|
57% |
| Deposits |
$202.2M
+2.7% YoY+0.5% QoQ
|
+$3.0M |
$199.2M
+0.3% YoY
|
$812.0M
+10.2% YoY
|
$435.0M
+7.6% YoY
|
60% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-129.5% YoY
|
-0.5% |
0.6%
-8.4% YoY
|
0.5%
-20.3% YoY
|
0.6%
-131.7% YoY
|
16% |
| NIM |
3.4%
+1.2% YoY+1.4% QoQ
|
+0.1% |
3.4%
+5.6% YoY
|
3.8%
+5.4% YoY
|
3.6%
+50.3% YoY
|
54% |
| Efficiency Ratio |
87.8%
-5.4% YoY-2.6% QoQ
|
+8.3% |
79.5%
-1.0% YoY
|
77.7%
+1.5% YoY
|
82.3%
-1.8% YoY
|
78% |
| Delinquency Rate |
0.5%
+59.2% YoY+22.0% QoQ
|
-0.4 |
0.9%
+19.3% YoY
|
0.8%
+9.6% YoY
|
1.3%
+8.3% YoY
|
34% |
| Loan To Share |
69.4%
-14.6% YoY-2.7% QoQ
|
-3.6% |
73.0%
-2.4% YoY
|
72.6%
-3.7% YoY
|
68.6%
-1.2% YoY
|
38% |
| AMR |
$20,142
-1.1% YoY+0.5% QoQ
|
$-4K |
$23,858
+1.7% YoY
|
$18,606
+4.0% YoY
|
$19,294
+3.8% YoY
|
39% |
| CD Concentration |
17.5%
+24.2% YoY+2.1% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % |
15.0%
-18.6% YoY-6.1% QoQ
|
- | - | - | - | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)