BlastPoint's Credit Union Scorecard
ARIZONA FINANCIAL
Charter #68730 · AZ
ARIZONA FINANCIAL has 2 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
- + Fee Income Per Member: Top 1.3% in tier
- + Share Certificate Concentration (%): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17.3% in tier
- - Indirect Auto Dependency: Bottom 28.0% in tier
- - Credit Risk Growth: Bottom 37.9% in tier
- - Credit Quality Pressure: Bottom 46.5% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 11.21% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 5.2% in tier
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 3 that size in Arizona.
- Shares and deposits +7.4% year over year ($3.46B in shares and deposits).
- Membership: 182,056 members, +3.4% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 0.67%.
- Efficiency ratio 80.66% vs a 69.45% peer average.
- Loan-to-share ratio 61.51% vs a 90.24% 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 |
182,056
+3.4% YoY+1.8% QoQ
|
-34.5K |
216,545
-9.5% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$3.9B
+7.8% YoY+1.2% QoQ
|
+$29.7M |
$3.9B
-1.6% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$2.1B
+7.8% YoY+3.1% QoQ
|
$-801.4M |
$2.9B
-1.2% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.5% in tier |
| Deposits |
$3.5B
+7.4% YoY+1.1% QoQ
|
+$205.3M |
$3.3B
-2.6% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
0.7%
-5.3% YoY-9.6% QoQ
|
-0.3% |
0.9%
+25.3% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
3.1%
+3.6% YoY+0.4% QoQ
|
-0.2% |
3.2%
+3.8% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
39% |
| Efficiency Ratio |
80.7%
-1.8% YoY+1.0% QoQ
|
+11.2% |
69.5%
-2.3% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate |
0.4%
+14.5% YoY+16.6% QoQ
|
-0.4 |
0.8%
+5.5% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
61.5%
+0.3% YoY+2.0% QoQ
|
-28.7% |
90.2%
+0.9% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.9% in tier |
| AMR |
$30,717
+4.0% YoY+0.0% QoQ
|
$-301 |
$31,018
+6.9% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
15.5%
-1.2% YoY+2.0% QoQ
|
-13.6% | 29.1% | 17.9% | 20.0% | Bottom 5.6% in tier |
| Indirect Auto % |
15.3%
-4.5% YoY-0.6% QoQ
|
-2.8% | 18.1% | 21.3% | 7.7% | 49% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)