BlastPoint's Credit Union Scorecard

SOUTHEASTERN ARIZONA

Charter #9897 · AZ

2556 CUs in <100M nationally 12 in AZ

SOUTHEASTERN ARIZONA has 2 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 0.96% above tier average
+ Net Interest Margin 0.49% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 7.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	5,451 -1.3% YoY-0.8% QoQ	+2.8K	2,615 -1.9% YoY	61,128 +6.4% YoY	33,374 +5.7% YoY	Top 11.4% in tier
Assets	$46.4M +3.0% YoY+0.5% QoQ	+$16.2M	$30.1M +2.1% YoY	$1.0B +13.9% YoY	$561.6M +9.7% YoY	75%
Loans	$19.1M -14.4% YoY-4.0% QoQ	+$3.3M	$15.8M -1.3% YoY	$668.7M +14.2% YoY	$397.0M +8.8% YoY	68%
Deposits	$39.4M +1.5% YoY+0.2% QoQ	+$13.7M	$25.7M +1.4% YoY	$919.7M +13.3% YoY	$477.3M +9.7% YoY	75%

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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	1.6% -2.7% YoY-6.8% QoQ	+1.0%	0.6% +10.8% YoY	0.7% +37.2% YoY	0.7% +15.9% YoY	Top 14.2% in tier
NIM	4.4% +5.6% YoY+1.0% QoQ	+0.5%	4.0% +4.0% YoY	4.0% +4.9% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	62.7% -2.6% YoY-1.7% QoQ	-19.9%	82.6% -2.3% YoY	75.5% -2.7% YoY	79.7% -3.3% YoY	Bottom 14.5% in tier
Delinquency Rate	0.8% +30.9% YoY-33.5% QoQ	-0.8	1.6% -3.1% YoY	1.0% +13.7% YoY	1.3% -2.1% YoY	52%
Loan To Share	48.4% -15.7% YoY-4.2% QoQ	-12.2%	60.6% -3.1% YoY	70.1% -3.4% YoY	67.4% -1.7% YoY	31%
AMR	$10,719 -3.0% YoY-0.4% QoQ	$-4K	$14,783 -1.4% YoY	$19,516 +4.9% YoY	$19,687 +2.0% YoY	32%
CD Concentration	7.2% -12.4% YoY+7.8% QoQ	-17.2%	24.4%	17.2%	19.8%	50%
Indirect Auto %	15.4% -15.0% YoY-4.2% QoQ	+1.6%	13.8%	22.5%	7.8%	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 2556 peers in tier

Top Strengths (4 metrics)

291

Total Members

engagement

Value: 5,451

Peer Median: -

#291 of 2556 Top 11.3% in <100M tier

362

Return on Assets (ROA)

profitability

Value: 1.58%

Peer Median: -

#362 of 2556 Top 14.1% in <100M tier

371

Efficiency Ratio

profitability

Value: 62.68%

Peer Median: -

#371 of 2556 Top 14.5% in <100M tier

639

Total Assets

balance_sheet

Value: $46.39M

Peer Median: -

#639 of 2556 Top 25.0% in <100M tier

Top Weaknesses (4 metrics)

2374

Indirect Auto Concentration (%)

balance_sheet

Value: 15.36%

Peer Median: -

#2374 of 2556 Bottom 7.2% in <100M tier

2266

Loan Growth Rate

growth

Value: -14.40%

Peer Median: -

#2266 of 2556 Bottom 11.4% in <100M tier

2073

Net Charge-Off Rate

risk

Value: 0.89%

Peer Median: -

#2073 of 2556 Bottom 18.9% in <100M tier

1963

AMR Growth Rate

growth

Value: -3.04%

Peer Median: -

#1963 of 2556 Bottom 23.2% in <100M tier