AIR ACADEMY

Charter #10600 | CO

750M-1B (112 CUs) Community (281 CUs)
1 750M-1B in CO

AIR ACADEMY has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 11.0% in tier
  • + Wallet Share Momentum: Top 27.0% 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
 32nd in tier
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
 31st in tier
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
 58th in tier
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
 51st in tier
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
 60th in tier
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
 65th in tier
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
 32nd in tier
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
 62nd in tier
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
 70th in tier
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
 40th in tier
Indirect Auto % 23.2%
-19.1% YoY-5.6% QoQ
 +9.3% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 Top 24.7% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#304 of 1006 • Top 11.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.81%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $5.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#744 of 1006 • Top 27.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.81%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Institutional Decline

decline
#110 of 256 • Bottom 13.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $816.88M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -2.65%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.13%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Membership Headwinds

decline
#261 of 550 • Bottom 15.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.65%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#352 of 550 • Bottom 21.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.14%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.65%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $31.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 21.60%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#466 of 525 • Bottom 29.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -3.96%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 23.23%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -2.65%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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)

Comparing against 112 peers in tier

Top Strengths (2 metrics)

21
Share Certificate Concentration (%)
balance_sheet
Value: 21.60%
Peer Avg: 28.34%
#21 of 112 Top 17.9% in 750M-1B tier
28
Loan-to-Member Ratio (LMR)
engagement
Value: $14,734
Peer Avg: $12,810
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (7 metrics)

103
Asset Growth Rate
growth
Value: -3.96%
Peer Avg: 4.25%
#103 of 112 Bottom 8.9% in 750M-1B tier
100
Return on Assets (ROA)
profitability
Value: 0.14%
Peer Avg: 0.71%
#100 of 112 Bottom 11.6% in 750M-1B tier
100
Net Worth Ratio
risk
Value: 8.34%
Peer Avg: 11.52%
#100 of 112 Bottom 11.6% in 750M-1B tier
98
Fee Income Per Member
profitability
Value: $130.80
Peer Avg: $204.75
#98 of 112 Bottom 13.4% in 750M-1B tier
95
Member Growth Rate
growth
Value: -2.65%
Peer Avg: 1.14%
#95 of 112 Bottom 16.1% in 750M-1B tier
95
Loan Growth Rate
growth
Value: -2.13%
Peer Avg: 4.84%
#95 of 112 Bottom 16.1% in 750M-1B tier
93
Net Charge-Off Rate
risk
Value: 0.92%
Peer Avg: 0.61%
#93 of 112 Bottom 17.9% in 750M-1B tier