BlastPoint's Credit Union Scorecard
AIR ACADEMY
Charter #10600 · CO
AIR ACADEMY has 1 strength but faces 8 concerns
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 6.1% in tier
- - Efficiency Drag: Bottom 34.1% in tier
- - Credit Quality Pressure: Bottom 48.0% in tier
- - Membership Headwinds: Bottom 71.5% in tier
- - Stagnation Risk: Bottom 71.5% in tier
- - Indirect Auto Dependency: Bottom 93.3% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 7.38% above tier (higher cost structure)
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in Colorado.
- Shares and deposits -2.5% year over year ($720M in shares and deposits).
- Membership: 43,965 members, -1.7% vs a year ago.
- Delinquency rate 0.41%.
- Return on assets 0.36%.
- Efficiency ratio 81.92% vs a 74.54% peer average.
- Loan-to-share ratio 89.85% vs a 82.60% 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,965
-1.7% YoY-0.1% QoQ
|
-8.5K |
52,482
+1.3% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$810.4M
-2.4% YoY-1.8% QoQ
|
$-53.5M |
$863.9M
+0.5% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$646.9M
-0.6% YoY+0.9% QoQ
|
+$39.1M |
$607.8M
+2.1% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
60% |
| Deposits |
$720.0M
-2.5% YoY-2.1% QoQ
|
$-19.9M |
$739.9M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
0.4%
+335.0% YoY+45.6% QoQ
|
-0.5% |
0.8%
+30.4% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
3.7%
+6.5% YoY+4.6% QoQ
|
+0.1% |
3.5%
+6.2% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
81.9%
+3.1% YoY-0.6% QoQ
|
+7.4% |
74.5%
-1.4% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
0.4%
+8.6% YoY+8.3% QoQ
|
-0.4 |
0.8%
+1.0% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
89.9%
+2.0% YoY+3.0% QoQ
|
+7.3% |
82.6%
+1.9% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$31,091
+0.1% YoY-0.7% QoQ
|
+$2K |
$28,702
+0.4% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
21.6%
-3.8% YoY-0.7% QoQ
|
-2.9% | 24.6% | 27.0% | 20.0% | 40% |
| Indirect Auto % |
18.9%
-23.1% YoY-8.3% QoQ
|
+5.3% | 13.6% | 12.3% | 7.7% | 70% |
Signature Analysis
Strengths (0)
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)