BlastPoint's Credit Union Scorecard

COPPER STATE

Charter #68502 · AZ

Community 500M-750M

167 CUs in 500M-750M nationally 3 in AZ

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COPPER STATE has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 10.3% in tier
+ Net Interest Margin 0.09% above tier average
+ AMR Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 9.8% in tier
- Efficiency Drag: Bottom 40.1% in tier
- Membership Headwinds: Bottom 80.4% in tier
- Stagnation Risk: Bottom 80.4% in tier
- ROA 0.21% below tier average
- Efficiency ratio 2.84% above tier (higher cost structure)
- Member decline: -3.0% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	37,804 -3.0% YoY+0.4% QoQ	-275	38,079 -4.8% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	54%
Assets	$672.1M +10.4% YoY+4.2% QoQ	+$52.4M	$619.7M -0.2% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	72%
Loans	$450.0M +5.4% YoY+2.5% QoQ	+$30.7M	$419.3M -1.4% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	62%
Deposits	$592.8M +7.1% YoY+4.9% QoQ	+$53.3M	$539.5M -0.1% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	77%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +144.9% YoY-63.1% QoQ	-0.2%	0.7% +36.0% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	38%
NIM	3.6% -0.8% YoY+1.9% QoQ	+0.1%	3.5% +4.5% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	60%
Efficiency Ratio	81.2% -9.8% YoY+14.2% QoQ	+2.8%	78.4% -3.7% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	0.6% -20.2% YoY-20.7% QoQ	-0.1	0.7% -0.9% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	52%
Loan To Share	75.9% -1.6% YoY-2.3% QoQ	-1.8%	77.7% -1.2% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	38%
AMR	$27,584 +9.7% YoY+3.4% QoQ	+$657	$26,927 +3.1% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	64%
CD Concentration	23.3% +19.4% YoY+6.5% QoQ	-0.9%	24.3%	17.3%	19.8%	47%
Indirect Auto %	16.1% -40.6% YoY-14.2% QoQ	+2.2%	13.8%	21.9%	7.7%	64%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#138 of 491 • Top 10.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.67%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk

#193 of 504 • Bottom 9.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 10.35%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 16.05%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#262 of 570 • Bottom 80.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#359 of 570 • Bottom 80.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 5.37%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.64%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#526 of 596 • Bottom 40.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.22%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.28% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (4 metrics)

AMR Growth Rate

growth

Value: 9.67%

Peer Median: 4.03%

#15 of 167 Top 8.4% in 500M-750M tier

Asset Growth Rate

growth

Value: 10.35%

Peer Median: 4.66%

#20 of 167 Top 11.4% in 500M-750M tier

Total Deposits

balance_sheet

Value: $592.79M

Peer Median: $543.36M

#39 of 167 Top 22.8% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 21.89%

Peer Median: 32.87%

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (3 metrics)

145

Net Worth Ratio

risk

Value: 8.57%

Peer Median: 10.35%

#145 of 167 Bottom 13.8% in 500M-750M tier

141

Member Growth Rate

growth

Value: -3.04%

Peer Median: 1.03%

#141 of 167 Bottom 16.2% in 500M-750M tier

140

Members Per Employee (MPE)

engagement

Value: 253.718

Peer Median: 318.730

#140 of 167 Bottom 16.8% in 500M-750M tier