BlastPoint's Credit Union Scorecard
SOUTHEASTERN ARIZONA
Charter #9897 · AZ
SOUTHEASTERN ARIZONA has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% above tier average
- + Net Interest Margin 0.28% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
- - Indirect Auto Concentration (%): Bottom 7.5% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 12 that size in Arizona.
- Shares and deposits +1.6% year over year ($40.8M in shares and deposits).
- Membership: 5,333 members, -2.9% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 2.25%.
- Efficiency ratio 63.22% vs a 88.77% peer average.
- Loan-to-share ratio 47.66% 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 |
5,333
-2.9% YoY-1.1% QoQ
|
+2.7K |
2,585
-1.7% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
Top 11.6% in tier |
| Assets |
$48.3M
+3.3% YoY-1.4% QoQ
|
+$18.0M |
$30.3M
+1.5% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$19.4M
-4.8% YoY-0.3% QoQ
|
+$4.0M |
$15.5M
-1.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$40.8M
+1.6% YoY-2.2% QoQ
|
+$15.0M |
$25.8M
+1.1% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA |
2.3%
+24.4% YoY-0.1% QoQ
|
+0.8% |
1.5%
+241.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
Top 7.1% in tier |
| NIM |
4.2%
-1.8% YoY+0.9% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
63.2%
-2.3% YoY+0.0% QoQ
|
-25.5% |
88.8%
-6.9% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
15% |
| Delinquency Rate |
0.6%
-24.6% YoY+8.9% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
47.7%
-6.3% YoY+1.9% QoQ
|
-11.2% |
58.9%
-3.1% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$11,284
+2.5% YoY-0.5% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
7.3%
+1.1% YoY+2.2% QoQ
|
-17.2% | 24.6% | 17.9% | 20.0% | 50% |
| Indirect Auto % |
12.4%
-23.9% YoY-11.2% QoQ
|
-1.2% | 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)