BlastPoint's Credit Union Scorecard
EM
Charter #7715 · AZ
EM has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Members Per Employee (MPE): Top 4.0% in tier
- + Loan Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 12 that size in Arizona.
- Shares and deposits -3.0% year over year ($9.8M in shares and deposits).
- Membership: 2,197 members, +2.6% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 0.67%.
- Efficiency ratio 83.69% vs a 88.77% peer average.
- Loan-to-share ratio 70.71% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,197
+2.6% YoY+1.1% QoQ
|
-388 |
2,585
-1.7% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$11.7M
-2.9% YoY+1.5% QoQ
|
$-18.6M |
$30.3M
+1.5% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$6.9M
+11.2% YoY+4.5% QoQ
|
$-8.5M |
$15.5M
-1.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$9.8M
-3.0% YoY+1.6% QoQ
|
$-16.0M |
$25.8M
+1.1% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.7%
-35.3% YoY+18.0% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
4.2%
-11.2% YoY-0.7% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
83.7%
+6.3% YoY-3.2% QoQ
|
-5.1% |
88.8%
-6.9% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.2%
+14.8% YoY-52.7% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
70.7%
+14.7% YoY+2.9% QoQ
|
+11.8% |
58.9%
-3.1% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$7,629
-0.1% YoY+1.7% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 21.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)