BlastPoint's Credit Union Scorecard
PINAL COUNTY
Charter #9099 · AZ
PINAL COUNTY has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 40.9% in tier
- + Strong member growth: 7.2% YoY
- + Asset Growth Rate: Top 2.6% in tier
- + Member Growth Rate: Top 5.3% in tier
- + Total Members: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.1% in tier
- - Shrinking Wallet Share: Bottom 12.1% in tier
- - ROA 0.00% below tier average
- - Efficiency ratio 2.44% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 2.0% in tier
- - Loan Growth Rate: Bottom 2.8% in tier
- - Indirect Auto Concentration (%): Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,448
+7.2% YoY+0.4% QoQ
|
+13.0K |
15,437
-2.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
Top 8.0% in tier |
| Assets |
$332.3M
+17.1% YoY+0.2% QoQ
|
+$100.4M |
$231.9M
+1.3% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$169.6M
-10.1% YoY-0.2% QoQ
|
+$22.2M |
$147.3M
-0.1% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$265.6M
+6.1% YoY-0.3% QoQ
|
+$64.8M |
$200.8M
+0.8% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
75% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+579.7% YoY+2.0% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.2%
-4.9% YoY+0.2% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
79.5%
-11.4% YoY+0.2% QoQ
|
+2.4% |
77.0%
-3.1% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.5%
-8.9% YoY+8.2% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
63.8%
-15.2% YoY+0.1% QoQ
|
-8.4% |
72.2%
-1.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$15,298
-7.5% YoY-0.7% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.8% in tier |
| CD Concentration |
13.3%
+42.4% YoY+2.7% QoQ
|
-11.1% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % |
42.0%
-18.6% YoY-8.2% QoQ
|
+28.2% | 13.8% | 22.5% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)