BlastPoint's Credit Union Scorecard
MARISOL
Charter #9469 · AZ
MARISOL has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.45% above tier average
- + Total Members: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 1.73% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,125
-0.7% YoY-2.3% QoQ
|
+3.5K |
2,615
-1.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
Top 8.5% in tier |
| Assets |
$48.6M
+1.3% YoY+0.5% QoQ
|
+$18.5M |
$30.1M
+2.1% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$27.4M
-2.1% YoY-1.9% QoQ
|
+$11.7M |
$15.8M
-1.3% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$41.3M
+0.8% YoY+0.9% QoQ
|
+$15.6M |
$25.7M
+1.4% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.5%
+40.9% YoY-14.7% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
4.4%
+1.8% YoY+0.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
84.3%
-5.6% YoY+1.4% QoQ
|
+1.7% |
82.6%
-2.3% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.9%
+131.7% YoY+170.7% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
66.3%
-2.9% YoY-2.8% QoQ
|
+5.7% |
60.6%
-3.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$11,224
+0.3% YoY+2.1% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
8.9%
+11.6% YoY+3.7% QoQ
|
-15.5% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % |
0.2%
-58.5% YoY-9.7% QoQ
|
-13.5% | 13.8% | 22.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)