BlastPoint's Credit Union Scorecard
EM
Charter #7715 · AZ
EM demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Net Interest Margin 0.78% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,129
+0.8% YoY-0.6% QoQ
|
-496 |
2,625
-2.2% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$11.7M
+7.5% YoY-2.9% QoQ
|
$-18.2M |
$29.9M
+1.1% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$6.3M
-7.9% YoY+0.9% QoQ
|
$-9.5M |
$15.8M
-2.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$9.8M
+7.5% YoY-3.6% QoQ
|
$-15.7M |
$25.5M
+0.4% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
1.0%
+48.0% YoY-6.6% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
4.7%
+9.8% YoY-1.0% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
79.9%
-6.0% YoY+1.5% QoQ
|
-1.5% |
81.4%
-2.4% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.2%
+3098.9% YoY+7.5% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
64.5%
-14.3% YoY+4.7% QoQ
|
+3.3% |
61.2%
-3.0% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$7,540
+0.1% YoY-1.3% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
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)