BlastPoint's Credit Union Scorecard
AIR ACADEMY
Charter #10600 · CO
AIR ACADEMY has 1 strength but faces 7 concerns
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 41.2% in tier
- - Shrinking Wallet Share: Bottom 62.3% in tier
- - Indirect Auto Dependency: Bottom 92.5% in tier
- - ROA 0.55% below tier average
- - Efficiency ratio 5.42% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 6.8% in tier
- - Deposit Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,508
+0.1% YoY+1.0% QoQ
|
-7.6K |
52,084
-1.6% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$813.2M
-0.6% YoY-0.5% QoQ
|
$-50.7M |
$863.9M
+0.5% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$644.6M
-2.4% YoY-0.7% QoQ
|
+$38.8M |
$605.8M
+1.4% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$723.9M
-1.4% YoY-0.6% QoQ
|
$-13.4M |
$737.3M
+0.1% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.2%
-186.2% YoY+38.7% QoQ
|
-0.5% |
0.7%
+39.1% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.7% in tier |
| NIM |
3.6%
+9.0% YoY+2.6% QoQ
|
+0.2% |
3.4%
+8.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
79.8%
-7.7% YoY+0.2% QoQ
|
+5.4% |
74.3%
-3.6% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.4%
-35.2% YoY-30.7% QoQ
|
-0.5 |
0.9%
+3.8% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
89.1%
-1.0% YoY-0.1% QoQ
|
+6.5% |
82.6%
+1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$30,747
-2.0% YoY-1.7% QoQ
|
+$2K |
$28,873
+2.7% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
21.9%
-0.4% YoY+1.6% QoQ
|
-2.5% | 24.4% | 26.2% | 19.8% | 42% |
| Indirect Auto % |
22.4%
-18.5% YoY-3.7% QoQ
|
+8.6% | 13.8% | 12.2% | 7.8% | 75% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
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)