BlastPoint's Credit Union Scorecard
COPPER STATE
Charter #68502 · AZ
COPPER STATE has 4 strengths but faces 3 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 8.4% in tier
- + Net Interest Margin 0.07% above tier average
- + Asset Growth Rate: Top 3.6% in tier
- + AMR Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 30.7% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 6.16% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in Arizona.
- Shares and deposits +8.9% year over year ($607M in shares and deposits).
- Membership: 38,492 members, -0.2% vs a year ago.
- Delinquency rate 0.53%.
- Return on assets 0.41%.
- Efficiency ratio 82.72% vs a 76.56% peer average.
- Loan-to-share ratio 80.31% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,492
-0.2% YoY+1.8% QoQ
|
+594 |
37,897
-5.0% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$700.8M
+13.6% YoY+4.3% QoQ
|
+$78.5M |
$622.4M
+0.6% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$487.4M
+12.8% YoY+8.3% QoQ
|
+$58.9M |
$428.5M
-0.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$606.9M
+8.9% YoY+2.4% QoQ
|
+$67.2M |
$539.8M
+0.9% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
0.4%
+42.2% YoY-12.5% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
3.6%
+2.5% YoY+1.1% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
82.7%
-5.9% YoY+1.8% QoQ
|
+6.2% |
76.6%
-3.6% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.5%
-43.7% YoY-17.6% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
80.3%
+3.5% YoY+5.8% QoQ
|
+1.0% |
79.3%
-1.4% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$28,429
+10.8% YoY+3.1% QoQ
|
+$1K |
$27,294
+4.1% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration |
25.2%
+25.6% YoY+7.9% QoQ
|
+0.6% | 24.6% | 17.9% | 20.0% | 53% |
| Indirect Auto % |
13.4%
-43.0% YoY-16.2% QoQ
|
-0.2% | 13.6% | 21.3% | 7.7% | 60% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)