BlastPoint's Credit Union Scorecard
COPPER STATE
Charter #68502 · AZ
COPPER STATE has 6 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 3.8% in tier
- + Profitability Leader: Top 59.9% in tier
- + ROA 0.69% above tier average
- + Net Interest Margin 0.07% above tier average
- + AMR Growth Rate: Top 0.6% in tier
- + Fee Income Per Member: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 0.2% in tier
- - Membership Headwinds: Bottom 0.7% in tier
- - Indirect Auto Dependency: Bottom 12.6% in tier
- - Credit Quality Pressure: Bottom 16.2% in tier
- - Delinquency rate 0.15% above tier average
- - Member decline: -15.0% YoY
- - Member Growth Rate: Bottom 0.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,148
-15.0% YoY-1.1% QoQ
|
-1.6K |
39,752
-2.7% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$631.9M
+5.2% YoY+2.5% QoQ
|
+$9.6M |
$622.4M
+0.3% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$441.0M
+0.1% YoY+2.0% QoQ
|
+$5.1M |
$435.9M
-0.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$552.7M
+5.4% YoY-0.8% QoQ
|
+$14.7M |
$538.0M
+1.3% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
1.4%
+1742.0% YoY+365.9% QoQ
|
+0.7% |
0.7%
+33.9% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
Top 10.1% in tier |
| NIM |
3.5%
-1.8% YoY-0.4% QoQ
|
+0.1% |
3.4%
+8.6% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
70.7%
-21.1% YoY-19.6% QoQ
|
-7.4% |
78.1%
-3.4% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.9%
+21.1% YoY+1.1% QoQ
|
+0.1 |
0.8%
-4.9% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
71% |
| Loan To Share |
79.8%
-5.0% YoY+2.9% QoQ
|
-1.2% |
81.0%
-1.8% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$26,049
+21.2% YoY+1.5% QoQ
|
$-433 |
$26,482
+2.6% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
21.6%
+18.5% YoY+7.7% QoQ
|
-2.8% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
40% |
| Indirect Auto % |
20.9%
-32.7% YoY-11.2% QoQ
|
+7.0% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
72% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
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)