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 0.47% above tier average
- + Total Members: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 1.74% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,267
-0.5% YoY-2.0% QoQ
|
+3.6K |
2,625
-2.2% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 8.2% in tier |
| Assets |
$48.4M
+0.3% YoY-2.0% QoQ
|
+$18.5M |
$29.9M
+1.1% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$27.9M
+1.5% YoY+0.1% QoQ
|
+$12.2M |
$15.8M
-2.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$41.0M
-0.8% YoY-2.5% QoQ
|
+$15.5M |
$25.5M
+0.4% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.6%
+84.3% YoY+31.7% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
4.4%
+3.8% YoY+3.1% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
83.1%
-7.6% YoY-4.0% QoQ
|
+1.7% |
81.4%
-2.4% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.3%
-36.5% YoY-53.8% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
68.2%
+2.2% YoY+2.7% QoQ
|
+7.0% |
61.2%
-3.0% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$10,995
+0.7% YoY+0.6% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
8.6%
+17.1% YoY-3.7% QoQ
|
-15.8% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.3%
-61.7% YoY-31.3% QoQ
|
-13.7% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
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)