BlastPoint's Credit Union Scorecard

SOUTHEASTERN ARIZONA

Charter #9897 · AZ

<100M

2508 CUs in <100M nationally 12 in AZ

SOUTHEASTERN ARIZONA has 2 strengths but faces 2 concerns

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 2.11% above tier average
+ Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.7% YoY
- Indirect Auto Concentration (%): Bottom 7.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	5,392 -2.7% YoY-1.1% QoQ	+2.7K	2,676 +1.6% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	Top 11.4% in tier
Assets	$49.0M +2.4% YoY+5.6% QoQ	+$18.8M	$30.2M +1.3% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	76%
Loans	$19.5M -9.4% YoY+2.2% QoQ	+$4.2M	$15.3M -2.0% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	70%
Deposits	$41.7M +0.7% YoY+5.8% QoQ	+$15.9M	$25.8M +0.7% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	76%

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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	2.3% +22.4% YoY+42.9% QoQ	+2.1%	0.1% -77.6% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	Top 4.3% in tier
NIM	4.1% -4.0% YoY-6.6% QoQ	+0.1%	4.0% +4.0% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	65%
Efficiency Ratio	63.2% -2.3% YoY+0.8% QoQ	-27.4%	90.6% +6.5% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.6% -30.6% YoY-26.3% QoQ	-0.9	1.5% +3.8% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	46%
Loan To Share	46.7% -10.0% YoY-3.4% QoQ	-11.8%	58.5% -3.0% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	32%
AMR	$11,340 +0.0% YoY+5.8% QoQ	$-4K	$14,884 -1.7% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	35%
CD Concentration	7.2% +5.9% YoY+0.1% QoQ	-17.1%	24.3%	17.3%	19.8%	50%
Indirect Auto %	14.0% -17.5% YoY-9.0% QoQ	+0.2%	13.8%	21.9%	7.7%	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 2508 peers in tier

Top Strengths (6 metrics)

107

Return on Assets (ROA)

profitability

Value: 2.26%

Peer Median: 0.61%

#107 of 2508 Top 4.2% in <100M tier

287

Total Members

engagement

Value: 5,392

Peer Median: 1,918

#287 of 2508 Top 11.4% in <100M tier

400

Efficiency Ratio

profitability

Value: 63.19%

Peer Median: 81.45%

#400 of 2508 Top 15.9% in <100M tier

547

Fee Income Per Member

profitability

Value: $118.01

Peer Median: $60.42

#547 of 2508 Top 21.8% in <100M tier

591

Total Assets

balance_sheet

Value: $48.97M

Peer Median: $21.86M

#591 of 2508 Top 23.5% in <100M tier

595

Total Deposits

balance_sheet

Value: $41.67M

Peer Median: $18.77M

#595 of 2508 Top 23.7% in <100M tier

Top Weaknesses (3 metrics)

2333

Indirect Auto Concentration (%)

balance_sheet

Value: 13.98%

Peer Median: 0.00%

#2333 of 2508 Bottom 7.0% in <100M tier

2190

Net Charge-Off Rate

risk

Value: 1.10%

Peer Median: 0.07%

#2190 of 2508 Bottom 12.7% in <100M tier

1900

Loan Growth Rate

growth

Value: -9.36%

Peer Median: -2.36%

#1900 of 2508 Bottom 24.3% in <100M tier