BlastPoint's Credit Union Scorecard

ARIZONA FINANCIAL

Charter #68730 · AZ

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 3 in AZ
View Mid-Market leaderboard →

ARIZONA FINANCIAL has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Fee Income Per Member: Top 0.1% in tier
  • + Share Certificate Concentration (%): Top 3.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 26.6% in tier
  • - Indirect Auto Dependency: Bottom 27.9% in tier
  • - Credit Quality Pressure: Bottom 43.9% in tier
  • - Efficiency ratio 8.59% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 1.3% in tier
  • - Total Loans: Bottom 5.1% in tier
  • - Loan-to-Share Ratio: Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 178,809
+3.2% YoY+1.2% QoQ
 -41.6K 220,435
-7.6% YoY
 61,699
+4.0% YoY
 33,913
+5.7% YoY
 31%
Assets $3.9B
+8.0% YoY+2.5% QoQ
 $-28.7M $3.9B
-1.5% YoY
 $1.1B
+9.9% YoY
 $578.3M
+9.0% YoY
 46%
Loans $2.1B
+9.5% YoY+1.8% QoQ
 $-827.2M $2.9B
-1.1% YoY
 $678.0M
+10.6% YoY
 $402.4M
+8.7% YoY
 Bottom 3.8% in tier
Deposits $3.4B
+7.5% YoY+3.0% QoQ
 +$127.9M $3.3B
-2.5% YoY
 $945.2M
+9.4% YoY
 $494.3M
+9.1% YoY
 55%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.7%
+2.6% YoY-11.8% QoQ
 +0.0% 0.7%
+10.6% YoY
 0.7%
+1.0% YoY
 0.4%
-39.2% YoY
 46%
NIM 3.1%
+2.2% YoY+3.6% QoQ
 -0.1% 3.2%
+4.6% YoY
 3.9%
+0.5% YoY
 3.8%
+4.1% YoY
 44%
Efficiency Ratio 79.9%
-3.9% YoY-0.9% QoQ
 +8.6% 71.3%
-2.6% YoY
 76.9%
-1.0% YoY
 84.6%
+2.8% YoY
 81%
Delinquency Rate 0.3%
+18.3% YoY-15.1% QoQ
 -0.4 0.7%
+9.2% YoY
 0.8%
+8.3% YoY
 1.2%
+3.4% YoY
 Top 14.1% in tier
Loan To Share 60.3%
+1.8% YoY-1.1% QoQ
 -27.7% 88.0%
+0.9% YoY
 68.3%
-2.8% YoY
 65.6%
-1.4% YoY
 Bottom 3.8% in tier
AMR $30,713
+4.9% YoY+1.3% QoQ
 +$41 $30,672
+5.5% YoY
 $19,742
+4.3% YoY
 $19,920
+1.6% YoY
 60%
CD Concentration 15.2%
+4.4% YoY-2.8% QoQ
 -13.7% 28.8% 17.3% 19.8% Bottom 6.3% in tier
Indirect Auto % 15.4%
-7.7% YoY-1.3% QoQ
 -2.7% 18.1% 21.9% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Risk Growth

risk
#97 of 183 • Bottom 26.6% in tier

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

Why This Signature
Loan Growth (YoY): 9.46%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.05% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk
#167 of 225 • Bottom 43.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#157 of 198 • Bottom 27.9% in tier

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

Why This Signature
Asset Growth (YoY): 8.00%
(Tier: 6.82%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 15.39%
(Tier: 18.07%, National: 7.73%)
but better than tier avg
Member Growth (YoY): 3.19%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 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 78 peers in tier

Top Strengths (5 metrics)

1
Fee Income Per Member
profitability
Value: $436.36
Peer Median: $175.66
#1 of 78 Top 0.1% in 3B-5B tier
4
Share Certificate Concentration (%)
balance_sheet
Value: 15.19%
Peer Median: 31.76%
#4 of 78 Top 3.8% in 3B-5B tier
12
Total Delinquency Rate (60+ days)
risk
Value: 0.33%
Peer Median: 0.54%
#12 of 78 Top 14.1% in 3B-5B tier
15
First Mortgage Concentration (%)
balance_sheet
Value: 20.77%
Peer Median: 32.80%
#15 of 78 Top 17.9% in 3B-5B tier
20
Net Worth Ratio
risk
Value: 11.81%
Peer Median: 10.59%
#20 of 78 Top 24.4% in 3B-5B tier

Top Weaknesses (4 metrics)

78
Members Per Employee (MPE)
engagement
Value: 261.417
Peer Median: 393.414
#78 of 78 Bottom 1.3% in 3B-5B tier
75
Total Loans
balance_sheet
Value: $2.07B
Peer Median: $2.92B
#75 of 78 Bottom 5.1% in 3B-5B tier
75
Loan-to-Share Ratio
balance_sheet
Value: 60.30%
Peer Median: 90.65%
#75 of 78 Bottom 5.1% in 3B-5B tier
64
Efficiency Ratio
profitability
Value: 79.87%
Peer Median: 69.26%
#64 of 78 Bottom 19.2% in 3B-5B tier
Link copied to clipboard!