BlastPoint's Credit Union Scorecard

PIMA

Charter #7316 · AZ

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 4 in AZ

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PIMA has 14 strengths but faces 2 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

+ Organic Growth Engine: Top 0.5% in tier
+ Relationship Depth Leader: Top 3.0% in tier
+ Wallet Share Momentum: Top 3.5% in tier
+ Emerging Performer: Top 5.6% in tier
+ Organic Growth Leader: Top 7.4% in tier
+ Profitability Leader: Top 46.8% in tier
+ Credit Quality Leader: Top 68.1% in tier
+ ROA 0.55% above tier average
+ Strong member growth: 6.8% YoY
+ AMR Growth Rate: Top 0.7% in tier
+ Asset Growth Rate: Top 1.3% in tier
+ Loan Growth Rate: Top 1.3% in tier
+ Deposit Growth Rate: Top 1.3% in tier
+ Efficiency Ratio: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.3% in tier
- Credit Quality Pressure: Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	72,983 +6.8% YoY+1.0% QoQ	-25.7K	98,678 -1.9% YoY	60,829 +5.9% YoY	33,089 +6.1% YoY	30%
Assets	$1.5B +21.3% YoY+0.2% QoQ	$-183.2M	$1.7B +0.5% YoY	$1.0B +8.7% YoY	$547.7M +7.8% YoY	51%
Loans	$1.2B +30.1% YoY+1.9% QoQ	$-70.4M	$1.2B +0.5% YoY	$651.1M +13.2% YoY	$388.7M +8.6% YoY	56%
Deposits	$1.3B +23.5% YoY-1.2% QoQ	$-119.6M	$1.5B +1.3% YoY	$883.8M +10.9% YoY	$464.6M +9.3% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% +20.3% YoY+10.8% QoQ	+0.6%	0.7% +13.4% YoY	0.8% +38.7% YoY	0.7% +273.4% YoY	Top 10.5% in tier
NIM	3.1% +18.9% YoY+0.7% QoQ	-0.2%	3.3% +9.3% YoY	4.0% +6.6% YoY	3.7% +5.0% YoY	32%
Efficiency Ratio	59.4% -2.9% YoY-2.9% QoQ	-14.6%	74.0% -10.9% YoY	75.3% -3.3% YoY	79.1% -3.3% YoY	Bottom 5.6% in tier
Delinquency Rate	0.3% +153.9% YoY+28.5% QoQ	-0.5	0.8% +6.1% YoY	0.9% +2.1% YoY	1.2% -0.9% YoY	16%
Loan To Share	87.1% +5.3% YoY+3.2% QoQ	+1.9%	85.2% -0.8% YoY	71.1% -3.6% YoY	68.0% -1.7% YoY	48%
AMR	$34,220 +18.4% YoY-0.8% QoQ	+$5K	$29,172 +2.8% YoY	$19,058 +3.8% YoY	$19,418 +1.3% YoY	81%
CD Concentration	24.0% -14.8% YoY+0.3% QoQ	-5.0%	29.0% +0.7% YoY	16.8% +14.1% YoY	19.6% +6.2% YoY	27%
Indirect Auto %	6.2% -5.6% YoY+4.2% QoQ	-12.6%	18.8% -3.0% YoY	23.2% -8.0% YoY	7.9% -2.9% YoY	27%

Signature Analysis

Strengths (7)

Organic Growth Engine

growth

#5 of 246 • Top 0.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.83%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 1.26%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 6.15%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth

#3 of 67 • Top 3.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 18.38%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Wallet Share Momentum

growth

#5 of 116 • Top 3.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 18.38%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | Rank improving

Emerging Performer

growth

#5 of 72 • Top 5.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.26%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Member Growth (YoY): 6.83%

(Tier: 3.18%, National: 9.37%)

better than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | Rank improving

Organic Growth Leader

growth

#30 of 138 • Top 7.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.83%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 6.15%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Profitability Leader

growth

#45 of 95 • Top 46.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.26%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.21% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Credit Quality Leader

growth

#65 of 95 • Top 68.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.34%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.20% points

(Tier: 0.07% points, National: 0.07% points)

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Concerns (2)

Credit Risk Growth

risk

#8 of 161 • Bottom 1.3% in tier

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

Why This Signature

Loan Growth (YoY): 30.05%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.20% 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 | New qualifier

Credit Quality Pressure

risk

#65 of 217 • Bottom 8.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.20% 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 | New qualifier

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (11 metrics)

AMR Growth Rate

growth

Value: 18.38%

Peer Avg: -

#3 of 304 Top 0.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 21.27%

Peer Avg: -

#5 of 304 Top 1.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 30.05%

Peer Avg: -

#5 of 304 Top 1.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 23.51%

Peer Avg: -

#5 of 304 Top 1.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 59.36%

Peer Avg: -

#18 of 304 Top 5.6% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.26%

Peer Avg: -

#32 of 304 Top 10.2% in 1B-3B tier

Member Growth Rate

growth

Value: 6.83%

Peer Avg: -

#38 of 304 Top 12.2% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 437.024

Peer Avg: -

#50 of 304 Top 16.1% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Avg: -

#51 of 304 Top 16.4% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,931

Peer Avg: -

#55 of 304 Top 17.8% in 1B-3B tier

Top Weaknesses (1 metrics)

245

Net Worth Ratio

risk

Value: 9.45%

Peer Avg: -

#245 of 304 Bottom 19.7% in 1B-3B tier