BlastPoint's Credit Union Scorecard
PIMA
Charter #7316 · AZ
PIMA has 8 strengths but faces 2 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
- + Relationship Depth Leader: Top 2.1% in tier
- + Wallet Share Momentum: Top 2.1% in tier
- + Organic Growth Engine: Top 14.2% in tier
- + Organic Growth Leader: Top 14.2% in tier
- + Emerging Performer: Top 18.8% in tier
- + ROA 0.41% above tier average
- + Strong member growth: 6.9% YoY
- + AMR Growth Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.2% in tier
- - Credit Quality Pressure: Bottom 42.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,422
+6.9% YoY+1.3% QoQ
|
-21.6K |
96,048
-2.7% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$1.7B
+29.9% YoY+5.3% QoQ
|
$-38.4M |
$1.7B
+0.4% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$1.1B
+24.2% YoY-0.7% QoQ
|
$-67.0M |
$1.2B
+0.2% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$1.5B
+34.6% YoY+7.3% QoQ
|
+$42.2M |
$1.5B
+0.5% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
61% |
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| ROA |
1.1%
+18.4% YoY-12.8% QoQ
|
+0.4% |
0.7%
+27.6% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
3.2%
+5.5% YoY+0.7% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
61.9%
-1.7% YoY+4.9% QoQ
|
-12.7% |
74.6%
-3.0% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
Top 9.5% in tier |
| Delinquency Rate |
0.2%
+52.9% YoY-45.3% QoQ
|
-0.6 |
0.8%
+6.9% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
Top 5.2% in tier |
| Loan To Share |
76.1%
-7.7% YoY-7.4% QoQ
|
-7.1% |
83.2%
-0.4% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$35,668
+21.5% YoY+2.4% QoQ
|
+$6K |
$29,652
+2.3% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
26.6%
+2.6% YoY+4.5% QoQ
|
-2.2% | 28.8% | 17.3% | 19.8% | 42% |
| Indirect Auto % |
6.5%
-2.1% YoY+2.4% QoQ
|
-11.6% | 18.1% | 21.9% | 7.7% | 29% |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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 (<15%). Healthy, sustainable growth model.
Concerns (2)
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.
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)