BlastPoint's Credit Union Scorecard
PINAL COUNTY
Charter #9099 · AZ
PINAL COUNTY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 5.01% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 4.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Arizona.
- Shares and deposits -2.1% year over year ($260M in shares and deposits).
- Membership: 28,878 members, +3.0% vs a year ago.
- Delinquency rate 0.53%.
- Return on assets 0.65%.
- Efficiency ratio 81.74% vs a 76.73% peer average.
- Loan-to-share ratio 65.25% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,878
+3.0% YoY+0.4% QoQ
|
+13.7K |
15,168
-2.6% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
Top 7.5% in tier |
| Assets |
$338.8M
+2.9% YoY-0.6% QoQ
|
+$106.8M |
$232.0M
+0.7% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$169.5M
-2.3% YoY+0.1% QoQ
|
+$23.3M |
$146.3M
+0.2% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$259.8M
-2.1% YoY-1.4% QoQ
|
+$59.1M |
$200.7M
+0.2% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.7%
-22.4% YoY+51.7% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
41% |
| NIM |
3.5%
+4.3% YoY+4.3% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
81.7%
+3.6% YoY-3.6% QoQ
|
+5.0% |
76.7%
-0.8% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.5%
+186.5% YoY+17.6% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
65.2%
-0.2% YoY+1.5% QoQ
|
-6.3% |
71.5%
-0.3% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$14,867
-5.1% YoY-1.3% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
13.1%
+12.1% YoY+0.3% QoQ
|
-11.4% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % |
36.8%
-23.5% YoY-5.3% QoQ
|
+23.2% | 13.6% | 21.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)