BlastPoint's Credit Union Scorecard
EM
Charter #7715 · AZ
EM demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
- + Net Interest Margin 0.66% 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-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,167
+0.1% YoY+1.8% QoQ
|
-448 |
2,615
-1.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$11.7M
+2.2% YoY-0.3% QoQ
|
$-18.5M |
$30.1M
+2.1% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$6.7M
-3.4% YoY+6.0% QoQ
|
$-9.1M |
$15.8M
-1.3% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$9.8M
+3.0% YoY+0.9% QoQ
|
$-15.8M |
$25.7M
+1.4% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
1.0%
+12.6% YoY+6.0% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
4.6%
+2.5% YoY-2.2% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
78.8%
-2.3% YoY-1.5% QoQ
|
-3.8% |
82.6%
-2.3% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.2%
-2.8% YoY-12.3% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
67.8%
-6.2% YoY+5.1% QoQ
|
+7.2% |
60.6%
-3.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$7,620
+0.1% YoY+1.1% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 22.5% | 7.8% | 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)