ARIZONA FINANCIAL

Charter #68730 | AZ

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in AZ

ARIZONA FINANCIAL has 7 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.8% in tier
  • + Organic Growth Engine: Top 11.2% in tier
  • + Organic Growth Leader: Top 13.8% in tier
  • + Wallet Share Momentum: Top 18.3% in tier
  • + ROA 0.12% above tier average
  • + Fee Income Per Member: Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 5.3% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 9.9% in tier
  • - Credit Quality Pressure: Bottom 12.7% in tier
  • - Efficiency Drag: Bottom 19.5% in tier
  • - Indirect Auto Dependency: Bottom 22.7% in tier
  • - Efficiency ratio 9.25% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 1.3% in tier
  • - Loan-to-Share Ratio: Bottom 2.6% in tier
  • - Total Loans: Bottom 2.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 178,151
+4.7% YoY+1.2% QoQ
 -60.3K 238,465
+0.6% YoY
 60,829
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 25.0% in tier
Assets $3.7B
+10.4% YoY+1.8% QoQ
 $-260.1M $4.0B
-0.1% YoY
 $1.0B
+8.7% YoY
 $547.7M
+7.8% YoY
 40th in tier
Loans $2.0B
+8.0% YoY+1.7% QoQ
 $-1.0B $3.0B
+3.3% YoY
 $651.1M
+13.2% YoY
 $388.7M
+8.6% YoY
 Bottom 1.3% in tier
Deposits $3.3B
+10.2% YoY+1.4% QoQ
 $-65.3M $3.3B
+1.1% YoY
 $883.8M
+10.9% YoY
 $464.6M
+9.3% YoY
 43rd in tier
ROA 0.9%
-2.0% YoY+23.3% QoQ
 +0.1% 0.7%
+5.3% YoY
 0.8%
+38.7% YoY
 0.7%
+273.4% YoY
 58th in tier
NIM 3.0%
+0.2% YoY+0.6% QoQ
 -0.2% 3.2%
+13.7% YoY
 4.0%
+6.6% YoY
 3.7%
+5.0% YoY
 38th in tier
Efficiency Ratio 80.5%
+1.2% YoY-2.0% QoQ
 +9.2% 71.3%
-0.6% YoY
 75.3%
-3.3% YoY
 79.1%
-3.3% YoY
 Top 14.5% in tier
Delinquency Rate 0.4%
+50.6% YoY+22.0% QoQ
 -0.4 0.8%
+15.9% YoY
 0.9%
+2.1% YoY
 1.2%
-0.9% YoY
 Bottom 23.7% in tier
Loan To Share 61.5%
-2.0% YoY+0.3% QoQ
 -29.3% 90.8%
+2.0% YoY
 71.1%
-3.6% YoY
 68.0%
-1.7% YoY
 Bottom 1.3% in tier
AMR $29,624
+4.4% YoY+0.3% QoQ
 +$537 $29,088
+0.1% YoY
 $19,058
+3.8% YoY
 $19,418
+1.3% YoY
 60th in tier
CD Concentration 16.0%
+15.1% YoY+2.2% QoQ
 -13.0% 29.0%
+0.8% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 Bottom 7.7% in tier
Indirect Auto % 15.9%
-8.2% YoY-0.6% QoQ
 -2.9% 18.8%
-2.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 49th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#43 of 264 • Top 5.8% in tier

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

Why This Signature
AMR Growth (YoY): 4.45%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.7K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Engine

growth
#82 of 246 • Top 11.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.67%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.87%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 15.94%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth
#55 of 138 • Top 13.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.67%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY

Wallet Share Momentum

growth
#133 of 264 • Top 18.3% in tier

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

Why This Signature
AMR Growth (YoY): 4.45%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (4)

Growth-at-Risk

risk
#56 of 161 • Bottom 9.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.00%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#98 of 217 • Bottom 12.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Efficiency Drag

risk
#65 of 96 • Bottom 19.5% in tier

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

Why This Signature
Efficiency Ratio: 80.51%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.02% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 4.67%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#141 of 202 • Bottom 22.7% in tier

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

Why This Signature
Asset Growth (YoY): 10.37%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 15.94%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 4.67%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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 76 peers in tier

Top Strengths (8 metrics)

1
Fee Income Per Member
profitability
Value: $418.07
Peer Avg: $191.96
#1 of 76 Top 0.0% in 3B-5B tier
5
Share Certificate Concentration (%)
balance_sheet
Value: 16.02%
Peer Avg: 30.70%
#5 of 76 Top 5.3% in 3B-5B tier
12
Asset Growth Rate
growth
Value: 10.37%
Peer Avg: 7.42%
#12 of 76 Top 14.5% in 3B-5B tier
15
Deposit Growth Rate
growth
Value: 10.16%
Peer Avg: 8.84%
#15 of 76 Top 18.4% in 3B-5B tier
17
Net Charge-Off Rate
risk
Value: 0.28%
Peer Avg: 0.64%
#17 of 76 Top 21.1% in 3B-5B tier
17
Net Worth Ratio
risk
Value: 11.97%
Peer Avg: 10.75%
#17 of 76 Top 21.1% in 3B-5B tier
18
First Mortgage Concentration (%)
balance_sheet
Value: 20.17%
Peer Avg: 34.35%
#18 of 76 Top 22.4% in 3B-5B tier
19
Total Delinquency Rate (60+ days)
risk
Value: 0.41%
Peer Avg: 0.84%
#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (4 metrics)

76
Members Per Employee (MPE)
engagement
Value: 260.455
Peer Avg: 433.941
#76 of 76 Bottom 1.3% in 3B-5B tier
75
Loan-to-Share Ratio
balance_sheet
Value: 61.50%
Peer Avg: 90.85%
#75 of 76 Bottom 2.6% in 3B-5B tier
75
Total Loans
balance_sheet
Value: $2.01B
Peer Avg: $3.02B
#75 of 76 Bottom 2.6% in 3B-5B tier
66
Efficiency Ratio
profitability
Value: 80.51%
Peer Avg: 71.26%
#66 of 76 Bottom 14.5% in 3B-5B tier