BlastPoint's Credit Union Scorecard
ARIZONA FINANCIAL
Charter #68730 · AZ
ARIZONA FINANCIAL has 6 strengths but faces 8 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
- + Organic Growth Engine: Top 44.7% in tier
- + Organic Growth Leader: Top 49.6% in tier
- + Wallet Share Momentum: Top 86.1% in tier
- + ROA 0.12% above tier average
- + Fee Income Per Member: Top 1.3% in tier
- + Share Certificate Concentration (%): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 27.0% in tier
- - Credit Quality Pressure: Bottom 41.9% in tier
- - Efficiency Drag: Bottom 65.2% in tier
- - Indirect Auto Dependency: Bottom 72.3% in tier
- - Efficiency ratio 9.20% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 1.3% in tier
- - Total Loans: Bottom 3.9% in tier
- - Loan-to-Share Ratio: Bottom 3.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
176,643
+3.6% YoY-0.8% QoQ
|
-53.7K |
230,353
-2.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$3.8B
+10.8% YoY+2.2% QoQ
|
$-150.5M |
$3.9B
+0.3% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$2.0B
+9.0% YoY+0.9% QoQ
|
$-906.5M |
$2.9B
-0.2% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.6% in tier |
| Deposits |
$3.3B
+9.7% YoY+1.8% QoQ
|
+$15.0M |
$3.3B
-0.3% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
0.8%
-1.0% YoY-3.7% QoQ
|
+0.1% |
0.7%
+16.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.0%
+0.2% YoY-0.9% QoQ
|
-0.2% |
3.1%
+9.8% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
80.6%
-0.0% YoY+0.1% QoQ
|
+9.2% |
71.4%
-1.4% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
0.4%
+71.7% YoY-5.1% QoQ
|
-0.5 |
0.9%
+5.8% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
61.0%
-0.6% YoY-0.8% QoQ
|
-27.9% |
88.9%
-0.2% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.6% in tier |
| AMR |
$30,313
+5.6% YoY+2.3% QoQ
|
+$630 |
$29,682
+1.5% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
15.6%
+6.7% YoY-2.5% QoQ
|
-13.4% | 29.0% | 17.2% | 19.8% | Bottom 6.6% in tier |
| Indirect Auto % |
15.6%
-7.7% YoY-2.1% QoQ
|
-2.7% | 18.3% | 22.5% | 7.8% | 49% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)