BlastPoint's Credit Union Scorecard

PINAL COUNTY

Charter #9099 · AZ

100M-500M

1070 CUs in 100M-500M nationally 8 in AZ

PINAL COUNTY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Asset Growth Rate: Top 2.3% in tier
+ Total Members: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.30% below tier average
- Efficiency ratio 6.74% above tier (higher cost structure)
- AMR Growth Rate: Bottom 5.1% in tier
- Loan Growth Rate: Bottom 6.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	28,757 +3.6% YoY+1.1% QoQ	+13.6K	15,145 -2.5% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	Top 7.2% in tier
Assets	$341.0M +16.3% YoY+2.6% QoQ	+$109.3M	$231.7M +0.8% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	80%
Loans	$169.4M -6.9% YoY-0.1% QoQ	+$25.3M	$144.1M +0.2% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	68%
Deposits	$263.6M +1.7% YoY-0.8% QoQ	+$62.5M	$201.1M +0.4% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -62.6% YoY-43.2% QoQ	-0.3%	0.7% +5.1% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	32%
NIM	3.4% -5.4% YoY+4.0% QoQ	-0.3%	3.6% +4.6% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	84.8% +8.7% YoY+6.7% QoQ	+6.7%	78.0% -1.7% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	71%
Delinquency Rate	0.4% +67.8% YoY-1.7% QoQ	-0.3	0.8% +7.1% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	36%
Loan To Share	64.3% -8.4% YoY+0.7% QoQ	-6.2%	70.4% -0.4% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	34%
AMR	$15,058 -5.3% YoY-1.6% QoQ	$-10K	$24,918 +2.7% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	Bottom 9.2% in tier
CD Concentration	13.1% +27.9% YoY-1.4% QoQ	-11.2%	24.3%	17.3%	19.8%	50%
Indirect Auto %	38.9% -22.2% YoY-7.4% QoQ	+25.1%	13.8%	21.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#35 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 16.27%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 38.91%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.64%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#59 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -5.31%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#357 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#535 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.76%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.72% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 3.64%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Asset Growth Rate

growth

Value: 16.27%

Peer Median: 3.91%

#26 of 1070 Top 2.3% in 100M-500M tier

Total Members

engagement

Value: 28,757

Peer Median: 13,200

#77 of 1070 Top 7.1% in 100M-500M tier

177

Member Growth Rate

growth

Value: 3.64%

Peer Median: -0.06%

#177 of 1070 Top 16.4% in 100M-500M tier

181

First Mortgage Concentration (%)

balance_sheet

Value: 13.00%

Peer Median: 29.47%

#181 of 1070 Top 16.8% in 100M-500M tier

182

Share Certificate Concentration (%)

balance_sheet

Value: 13.09%

Peer Median: 23.10%

#182 of 1070 Top 16.9% in 100M-500M tier

215

Total Assets

balance_sheet

Value: $340.98M

Peer Median: $196.57M

#215 of 1070 Top 20.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1016

AMR Growth Rate

growth

Value: -5.31%

Peer Median: 3.46%

#1016 of 1070 Bottom 5.1% in 100M-500M tier

1002

Loan Growth Rate

growth

Value: -6.87%

Peer Median: 2.93%

#1002 of 1070 Bottom 6.4% in 100M-500M tier

978

Indirect Auto Concentration (%)

balance_sheet

Value: 38.91%

Peer Median: 6.61%

#978 of 1070 Bottom 8.7% in 100M-500M tier

972

Average Member Relationship (AMR)

engagement

Value: $15,058

Peer Median: $22,931

#972 of 1070 Bottom 9.3% in 100M-500M tier

934

Loan-to-Member Ratio (LMR)

engagement

Value: $5,891

Peer Median: $9,356

#934 of 1070 Bottom 12.8% in 100M-500M tier

850

Net Charge-Off Rate

risk

Value: 0.73%

Peer Median: 0.35%

#850 of 1070 Bottom 20.7% in 100M-500M tier

810

Net Worth Ratio

risk

Value: 9.71%

Peer Median: 11.45%

#810 of 1070 Bottom 24.4% in 100M-500M tier