BlastPoint's Credit Union Scorecard
PIMA
Charter #7316 · AZ
PIMA has 13 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
- + Organic Growth Engine: Top 0.4% in tier
- + Emerging Performer: Top 1.3% in tier
- + Relationship Depth Leader: Top 3.1% in tier
- + Wallet Share Momentum: Top 4.1% in tier
- + Organic Growth Leader: Top 21.3% in tier
- + ROA 0.61% above tier average
- + Strong member growth: 7.1% YoY
- + Asset Growth Rate: Top 1.3% in tier
- + Deposit Growth Rate: Top 1.3% in tier
- + AMR Growth Rate: Top 1.3% in tier
- + Loan Growth Rate: Top 2.3% in tier
- + Efficiency Ratio: Top 5.0% in tier
- + Total Delinquency Rate (60+ days): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17.2% in tier
- - Credit Quality Pressure: Bottom 64.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
73,467
+7.1% YoY+0.7% QoQ
|
-24.0K |
97,431
-2.4% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$1.6B
+25.1% YoY+3.9% QoQ
|
$-127.2M |
$1.7B
+0.9% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$1.2B
+27.7% YoY-0.7% QoQ
|
$-80.0M |
$1.2B
+0.5% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$1.4B
+29.3% YoY+5.3% QoQ
|
$-53.5M |
$1.5B
+0.9% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
1.3%
+16.3% YoY+2.7% QoQ
|
+0.6% |
0.7%
+20.9% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
Top 9.3% in tier |
| NIM |
3.1%
+19.5% YoY+2.4% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
59.0%
-1.2% YoY-0.6% QoQ
|
-15.0% |
74.1%
-9.5% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.0% in tier |
| Delinquency Rate |
0.3%
+40.4% YoY-12.9% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.3% in tier |
| Loan To Share |
82.1%
-1.3% YoY-5.7% QoQ
|
-2.7% |
84.8%
-0.8% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$34,848
+20.1% YoY+1.8% QoQ
|
+$5K |
$29,428
+2.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
25.4%
-7.2% YoY+6.2% QoQ
|
-3.6% | 29.0% | 17.2% | 19.8% | 36% |
| Indirect Auto % |
6.3%
-3.4% YoY+2.4% QoQ
|
-12.0% | 18.3% | 22.5% | 7.8% | 28% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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)