PINAL COUNTY

Charter #9099 | AZ

100M-500M (1077 CUs) Micro
8 100M-500M in AZ

PINAL COUNTY has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 14.7% in tier
  • + Strong member growth: 7.7% YoY
  • + Member Growth Rate: Top 5.0% in tier
  • + Asset Growth Rate: Top 7.6% in tier
  • + Total Members: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.9% in tier
  • - Shrinking Wallet Share: Bottom 2.7% in tier
  • - ROA 0.04% below tier average
  • - Efficiency ratio 2.03% above tier (higher cost structure)
  • - Loan Growth Rate: Bottom 1.4% in tier
  • - AMR Growth Rate: Bottom 2.2% in tier
  • - Indirect Auto Concentration (%): Bottom 5.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 28,325
+7.7% YoY+1.1% QoQ
 +12.7K 15,628
-3.4% YoY
 60,829
+5.9% YoY
 33,089
+6.1% YoY
 Top 8.9% in tier
Assets $331.6M
+11.3% YoY+0.7% QoQ
 +$100.3M $231.3M
-0.0% YoY
 $1.0B
+8.7% YoY
 $547.7M
+7.8% YoY
 Top 22.0% in tier
Loans $169.8M
-13.1% YoY-2.1% QoQ
 +$22.0M $147.8M
-1.4% YoY
 $651.1M
+13.2% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $266.4M
+7.9% YoY+0.3% QoQ
 +$66.1M $200.3M
-0.0% YoY
 $883.8M
+10.9% YoY
 $464.6M
+9.3% YoY
 75th in tier
ROA 0.7%
+772.1% YoY-11.6% QoQ
 -0.0% 0.8%
+15.5% YoY
 0.8%
+38.7% YoY
 0.7%
+273.4% YoY
 48th in tier
NIM 3.2%
-2.4% YoY-4.0% QoQ
 -0.4% 3.6%
+6.9% YoY
 4.0%
+6.6% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 79.3%
-12.3% YoY+0.5% QoQ
 +2.0% 77.3%
-3.0% YoY
 75.3%
-3.3% YoY
 79.1%
-3.3% YoY
 58th in tier
Delinquency Rate 0.4%
-8.2% YoY+129.0% QoQ
 -0.4 0.9%
+7.6% YoY
 0.9%
+2.1% YoY
 1.2%
-0.9% YoY
 30th in tier
Loan To Share 63.8%
-19.5% YoY-2.4% QoQ
 -8.9% 72.7%
-1.5% YoY
 71.1%
-3.6% YoY
 68.0%
-1.7% YoY
 29th in tier
AMR $15,400
-8.4% YoY-1.7% QoQ
 $-9K $24,363
+2.9% YoY
 $19,058
+3.8% YoY
 $19,418
+1.3% YoY
 Bottom 11.5% in tier
CD Concentration 12.9%
+41.6% YoY+10.4% QoQ
 -11.5% 24.4%
+4.2% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 45.8%
-13.3% YoY-5.0% QoQ
 +31.8% 14.0%
-5.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#270 of 603 • Top 14.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.67%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.74%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 45.76%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#31 of 525 • Bottom 1.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 11.27%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 45.76%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.67%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#28 of 244 • Bottom 2.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -8.43%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

55
Member Growth Rate
growth
Value: 7.67%
Peer Avg: 0.72%
#55 of 1077 Top 5.0% in 100M-500M tier
83
Asset Growth Rate
growth
Value: 11.27%
Peer Avg: 4.70%
#83 of 1077 Top 7.6% in 100M-500M tier
96
Total Members
engagement
Value: 28,325
Peer Avg: 15,628
#96 of 1077 Top 8.8% in 100M-500M tier
175
First Mortgage Concentration (%)
balance_sheet
Value: 12.81%
Peer Avg: 30.43%
#175 of 1077 Top 16.2% in 100M-500M tier
184
Share Certificate Concentration (%)
balance_sheet
Value: 12.93%
Peer Avg: 23.61%
#184 of 1077 Top 17.0% in 100M-500M tier
188
Fee Income Per Member
profitability
Value: $234.36
Peer Avg: $174.31
#188 of 1077 Top 17.4% in 100M-500M tier
220
Deposit Growth Rate
growth
Value: 7.89%
Peer Avg: 4.69%
#220 of 1077 Top 20.3% in 100M-500M tier
237
Total Assets
balance_sheet
Value: $331.55M
Peer Avg: $231.30M
#237 of 1077 Top 21.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1063
Loan Growth Rate
growth
Value: -13.14%
Peer Avg: 3.45%
#1063 of 1077 Bottom 1.4% in 100M-500M tier
1054
AMR Growth Rate
growth
Value: -8.43%
Peer Avg: 3.64%
#1054 of 1077 Bottom 2.2% in 100M-500M tier
1024
Indirect Auto Concentration (%)
balance_sheet
Value: 45.76%
Peer Avg: 13.34%
#1024 of 1077 Bottom 5.0% in 100M-500M tier
953
Average Member Relationship (AMR)
engagement
Value: $15,400
Peer Avg: $24,363
#953 of 1077 Bottom 11.6% in 100M-500M tier
931
Loan-to-Member Ratio (LMR)
engagement
Value: $5,996
Peer Avg: $10,245
#931 of 1077 Bottom 13.6% in 100M-500M tier