PIMA

Charter #7316 | AZ

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in AZ

PIMA has 12 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.5% in tier
  • + Wallet Share Momentum: Top 0.5% in tier
  • + Emerging Performer: Top 1.0% in tier
  • + Relationship Depth Leader: Top 1.1% in tier
  • + Organic Growth Leader: Top 7.4% 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

  • - Growth-at-Risk: 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
 30th in tier
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
 51st in tier
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
 56th in tier
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
 53rd in tier
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
 32nd in tier
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
 Bottom 16.4% in tier
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
 48th in tier
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
 Top 18.8% in tier
CD Concentration 24.0%
-14.8% YoY+0.3% QoQ
 -5.0% 29.0%
+0.8% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 27th in tier
Indirect Auto % 6.2%
-5.6% YoY+4.2% QoQ
 -12.6% 18.8%
-2.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 27th in tier

Signature Analysis

Strengths (5)

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: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth
#5 of 264 • Top 0.5% in tier

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

Why This Signature
AMR Growth (YoY): 18.38%
(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

Emerging Performer

growth
#6 of 184 • Top 1.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

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
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Relationship Depth Leader

growth
#9 of 264 • Top 1.1% in tier

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

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
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Leader

growth
#30 of 138 • Top 7.4% in tier

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

Why This Signature
Member Growth (YoY): 6.83%
(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 | Rank improving

Concerns (2)

Growth-at-Risk

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)

Comparing against 304 peers in tier

Top Strengths (11 metrics)

3
AMR Growth Rate
growth
Value: 18.38%
Peer Avg: 3.29%
#3 of 304 Top 0.7% in 1B-3B tier
5
Asset Growth Rate
growth
Value: 21.27%
Peer Avg: 4.83%
#5 of 304 Top 1.3% in 1B-3B tier
5
Loan Growth Rate
growth
Value: 30.05%
Peer Avg: 5.27%
#5 of 304 Top 1.3% in 1B-3B tier
5
Deposit Growth Rate
growth
Value: 23.51%
Peer Avg: 5.58%
#5 of 304 Top 1.3% in 1B-3B tier
18
Efficiency Ratio
profitability
Value: 59.36%
Peer Avg: 73.97%
#18 of 304 Top 5.6% in 1B-3B tier
32
Return on Assets (ROA)
profitability
Value: 1.26%
Peer Avg: 0.70%
#32 of 304 Top 10.2% in 1B-3B tier
38
Member Growth Rate
growth
Value: 6.83%
Peer Avg: 2.20%
#38 of 304 Top 12.2% in 1B-3B tier
50
Members Per Employee (MPE)
engagement
Value: 437.024
Peer Avg: 364.953
#50 of 304 Top 16.1% in 1B-3B tier
51
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Avg: 0.83%
#51 of 304 Top 16.4% in 1B-3B tier
55
Loan-to-Member Ratio (LMR)
engagement
Value: $15,931
Peer Avg: $13,213
#55 of 304 Top 17.8% in 1B-3B tier

Top Weaknesses (1 metrics)

245
Net Worth Ratio
risk
Value: 9.45%
Peer Avg: 11.44%
#245 of 304 Bottom 19.7% in 1B-3B tier