BlastPoint's Credit Union Scorecard
EM
Charter #7715 · AZ
EM demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Net Interest Margin 0.25% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,174
+1.2% YoY+0.3% QoQ
|
-502 |
2,676
+1.6% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$11.5M
+1.5% YoY-1.2% QoQ
|
$-18.7M |
$30.2M
+1.3% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
35% |
| Loans |
$6.6M
-0.8% YoY-0.4% QoQ
|
$-8.6M |
$15.3M
-2.0% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
41% |
| Deposits |
$9.7M
+2.2% YoY-1.7% QoQ
|
$-16.1M |
$25.8M
+0.7% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
0.6%
-58.7% YoY-44.6% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
4.3%
-12.0% YoY-7.6% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
86.4%
+19.5% YoY+9.7% QoQ
|
-4.2% |
90.6%
+6.5% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
0.5%
+246.4% YoY+157.2% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
68.7%
-3.0% YoY+1.3% QoQ
|
+10.2% |
58.5%
-3.0% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$7,503
-0.3% YoY-1.5% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 17.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 21.9% | 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)