BlastPoint's Credit Union Scorecard

MARISOL

Charter #9469 · AZ

<100M

2508 CUs in <100M nationally 12 in AZ

MARISOL has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.19% above tier average
+ Net Interest Margin 0.22% above tier average
+ Total Members: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Member decline: -4.2% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	5,980 -4.2% YoY-2.4% QoQ	+3.3K	2,676 +1.6% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	Top 8.7% in tier
Assets	$50.1M +2.9% YoY+2.9% QoQ	+$19.9M	$30.2M +1.3% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	77%
Loans	$27.3M -1.9% YoY-0.5% QoQ	+$12.0M	$15.3M -2.0% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	80%
Deposits	$41.7M +0.9% YoY+0.8% QoQ	+$15.9M	$25.8M +0.7% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	76%

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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	0.3% +25.0% YoY-31.9% QoQ	+0.2%	0.1% -77.6% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	37%
NIM	4.2% -1.2% YoY-4.1% QoQ	+0.2%	4.0% +4.0% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	89.0% -1.0% YoY+5.5% QoQ	-1.7%	90.6% +6.5% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.3% -1.2% YoY-68.8% QoQ	-1.2	1.5% +3.8% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	33%
Loan To Share	65.5% -2.8% YoY-1.3% QoQ	+7.0%	58.5% -3.0% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	60%
AMR	$11,528 +4.1% YoY+2.7% QoQ	$-3K	$14,884 -1.7% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	36%
CD Concentration	9.6% +3.9% YoY+6.9% QoQ	-14.7%	24.3%	17.3%	19.8%	50%
Indirect Auto %	0.2% -51.0% YoY-11.2% QoQ	-13.6%	13.8%	21.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

217

Total Members

engagement

Value: 5,980

Peer Median: 1,918

#217 of 2508 Top 8.6% in <100M tier

495

Total Loans

balance_sheet

Value: $27.28M

Peer Median: $9.48M

#495 of 2508 Top 19.7% in <100M tier

575

Total Assets

balance_sheet

Value: $50.05M

Peer Median: $21.86M

#575 of 2508 Top 22.9% in <100M tier

578

Fee Income Per Member

profitability

Value: $113.99

Peer Median: $60.42

#578 of 2508 Top 23.0% in <100M tier

596

Total Deposits

balance_sheet

Value: $41.66M

Peer Median: $18.77M

#596 of 2508 Top 23.7% in <100M tier

Top Weaknesses (4 metrics)

2138

Indirect Auto Concentration (%)

balance_sheet

Value: 0.22%

Peer Median: 0.00%

#2138 of 2508 Bottom 14.8% in <100M tier

2056

Net Charge-Off Rate

risk

Value: 0.80%

Peer Median: 0.07%

#2056 of 2508 Bottom 18.1% in <100M tier

1966

Member Growth Rate

growth

Value: -4.20%

Peer Median: -1.37%

#1966 of 2508 Bottom 21.7% in <100M tier

1942

First Mortgage Concentration (%)

balance_sheet

Value: 27.87%

Peer Median: 3.66%

#1942 of 2508 Bottom 22.6% in <100M tier