BlastPoint's Credit Union Scorecard
AIR ACADEMY
Charter #10600 · CO
AIR ACADEMY has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 75.0% in tier
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 13.8% in tier
- - Membership Headwinds: Bottom 15.8% in tier
- - Stagnation Risk: Bottom 21.3% in tier
- - Indirect Auto Dependency: Bottom 29.0% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 5.09% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - Asset Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,073
-2.7% YoY-1.5% QoQ
|
-8.0K |
52,114
-2.1% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$816.9M
-4.0% YoY-1.7% QoQ
|
$-42.1M |
$859.0M
+0.0% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$649.4M
-2.1% YoY-0.2% QoQ
|
+$46.0M |
$603.4M
+1.0% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$728.5M
+2.1% YoY-1.4% QoQ
|
$-5.7M |
$734.2M
+0.9% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
0.1%
-139.6% YoY+72.2% QoQ
|
-0.6% |
0.7%
+27.6% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.7% in tier |
| NIM |
3.5%
+11.5% YoY+2.9% QoQ
|
+0.2% |
3.4%
+9.6% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
79.6%
-9.9% YoY+0.2% QoQ
|
+5.1% |
74.5%
-3.2% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.5%
-16.4% YoY+33.6% QoQ
|
-0.3 |
0.8%
+5.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
89.1%
-4.2% YoY+1.2% QoQ
|
+6.5% |
82.7%
+0.1% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
62% |
| AMR |
$31,264
+2.8% YoY+0.7% QoQ
|
+$3K |
$28,651
+2.5% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
21.6%
+3.5% YoY-4.0% QoQ
|
-2.8% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
40% |
| Indirect Auto % |
23.2%
-19.1% YoY-5.6% QoQ
|
+9.3% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
75% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)