COPPER STATE

Charter #68502 | AZ

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in AZ

COPPER STATE has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.7% in tier
  • + Relationship Depth Leader: Top 0.8% 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
 50th in tier
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
 54th in tier
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
 50th in tier
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
 58th in tier
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
 56th in tier
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
 Bottom 18.3% in tier
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
 71st in tier
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
 41st in tier
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
 56th in tier
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
 40th in tier
Indirect Auto % 20.9%
-32.7% YoY-11.2% QoQ
 +7.0% 14.0%
-5.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 72nd in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#19 of 1006 • Top 0.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 21.20%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#24 of 1006 • Top 0.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 21.20%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.5K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (4)

Stagnation Risk

risk
#4 of 550 • Bottom 0.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.35%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -15.04%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 21.60%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#13 of 550 • Bottom 0.7% in tier

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

Why This Signature
Member Growth (YoY): -15.04%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#204 of 525 • Bottom 12.6% in tier

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

Why This Signature
Asset Growth (YoY): 5.16%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 20.94%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -15.04%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk
#402 of 736 • Bottom 16.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.16% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

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 169 peers in tier

Top Strengths (5 metrics)

2
AMR Growth Rate
growth
Value: 21.20%
Peer Avg: 3.12%
#2 of 169 Top 0.6% in 500M-750M tier
3
Fee Income Per Member
profitability
Value: $372.98
Peer Avg: $199.27
#3 of 169 Top 1.2% in 500M-750M tier
17
Return on Assets (ROA)
profitability
Value: 1.35%
Peer Avg: 0.66%
#17 of 169 Top 9.5% in 500M-750M tier
32
Efficiency Ratio
profitability
Value: 70.71%
Peer Avg: 78.10%
#32 of 169 Top 18.3% in 500M-750M tier
39
First Mortgage Concentration (%)
balance_sheet
Value: 20.82%
Peer Avg: 33.53%
#39 of 169 Top 22.5% in 500M-750M tier

Top Weaknesses (3 metrics)

169
Member Growth Rate
growth
Value: -15.04%
Peer Avg: 1.75%
#169 of 169 Bottom 0.6% in 500M-750M tier
144
Net Worth Ratio
risk
Value: 8.70%
Peer Avg: 10.94%
#144 of 169 Bottom 15.4% in 500M-750M tier
139
Members Per Employee (MPE)
engagement
Value: 256.027
Peer Avg: 338.010
#139 of 169 Bottom 18.3% in 500M-750M tier