BlastPoint's Credit Union Scorecard
AIR ACADEMY
Charter #10600 · CO
AIR ACADEMY faces 8 concerns requiring attention
How does the industry compare?
What's your peer group doing?
How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 18.0% in tier
- - Efficiency Drag: Bottom 35.6% in tier
- - Credit Quality Pressure: Bottom 46.6% in tier
- - Indirect Auto Dependency: Bottom 90.6% in tier
- - Deposit Outflow: Bottom 91.7% in tier
- - Shrinking Wallet Share: Bottom 91.8% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 6.88% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,990
+1.1% YoY-1.2% QoQ
|
-7.5K |
51,500
+0.7% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
31% |
| Assets |
$825.4M
-1.7% YoY+1.5% QoQ
|
$-40.2M |
$865.6M
+0.9% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
35% |
| Loans |
$641.3M
-1.4% YoY-0.5% QoQ
|
+$46.1M |
$595.3M
+1.6% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
61% |
| Deposits |
$735.5M
-2.2% YoY+1.6% QoQ
|
$-6.7M |
$742.2M
+0.6% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
49% |
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| ROA |
0.2%
-166.7% YoY+25.1% QoQ
|
-0.5% |
0.8%
+45.0% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
3.5%
+3.8% YoY-3.6% QoQ
|
+0.0% |
3.5%
+6.1% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
50% |
| Efficiency Ratio |
82.4%
-1.9% YoY+3.3% QoQ
|
+6.9% |
75.5%
-3.4% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.4%
+10.0% YoY+8.4% QoQ
|
-0.3 |
0.7%
-0.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
87.2%
+0.9% YoY-2.1% QoQ
|
+6.6% |
80.6%
+0.7% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
60% |
| AMR |
$31,299
-2.9% YoY+1.8% QoQ
|
+$2K |
$28,908
+0.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
21.8%
-3.9% YoY-0.7% QoQ
|
-2.5% | 24.3% | 26.7% | 19.8% | 42% |
| Indirect Auto % |
20.7%
-20.4% YoY-7.6% QoQ
|
+6.9% | 13.8% | 12.4% | 7.7% | 72% |
Signature Analysis
Strengths (0)
Concerns (6)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)