BlastPoint's Credit Union Scorecard
MARISOL
Charter #9469 · AZ
MARISOL has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Total Members: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Efficiency ratio 0.49% above tier (higher cost structure)
- - Member decline: -8.1% YoY
- - Member Growth Rate: Bottom 8.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 12 that size in Arizona.
- Shares and deposits -1.9% year over year ($41.2M in shares and deposits).
- Membership: 5,878 members, -8.1% vs a year ago.
- Delinquency rate 0.58%.
- Return on assets 0.31%.
- Efficiency ratio 89.25% vs a 88.77% peer average.
- Loan-to-share ratio 67.15% vs a 58.89% 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 |
5,878
-8.1% YoY-1.7% QoQ
|
+3.3K |
2,585
-1.7% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
Top 9.3% in tier |
| Assets |
$49.1M
-0.6% YoY-1.9% QoQ
|
+$18.8M |
$30.3M
+1.5% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$27.7M
-0.9% YoY+1.4% QoQ
|
+$12.2M |
$15.5M
-1.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$41.2M
-1.9% YoY-1.1% QoQ
|
+$15.4M |
$25.8M
+1.1% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA |
0.3%
-28.2% YoY-6.2% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
4.3%
+0.8% YoY+1.8% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
89.3%
+3.1% YoY+0.3% QoQ
|
+0.5% |
88.8%
-6.9% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.6%
-19.3% YoY+106.9% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
67.2%
+1.1% YoY+2.5% QoQ
|
+8.3% |
58.9%
-3.1% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
62% |
| AMR |
$11,714
+7.2% YoY+1.6% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
9.4%
+5.5% YoY-1.3% QoQ
|
-15.1% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % |
0.1%
-63.9% YoY-34.6% QoQ
|
-13.5% | 13.6% | 21.3% | 7.7% | 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)