BlastPoint's Credit Union Scorecard
AERO
Charter #12164 · AZ
AERO has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 54.3% in tier
- + Organic Growth Engine: Top 96.8% in tier
- + Total Delinquency Rate (60+ days): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 6.5% in tier
- - Efficiency Drag: Bottom 82.3% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 3.06% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,735
+1.3% YoY-2.8% QoQ
|
+8.3K |
15,437
-2.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
Top 14.6% in tier |
| Assets |
$345.9M
+7.9% YoY+0.1% QoQ
|
+$114.0M |
$231.9M
+1.3% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$266.9M
+9.7% YoY-0.4% QoQ
|
+$119.6M |
$147.3M
-0.1% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
Top 10.8% in tier |
| Deposits |
$301.9M
+8.2% YoY-0.0% QoQ
|
+$101.1M |
$200.8M
+0.8% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.5%
-34.8% YoY-25.2% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
3.1%
-1.1% YoY+0.9% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
80.1%
+14.8% YoY+4.4% QoQ
|
+3.1% |
77.0%
-3.1% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.2%
-48.7% YoY+19.3% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.0% in tier |
| Loan To Share |
88.4%
+1.4% YoY-0.4% QoQ
|
+16.2% |
72.2%
-1.1% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$23,965
+7.5% YoY+2.7% QoQ
|
$-711 |
$24,676
+3.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
37.4%
+8.7% YoY-3.5% QoQ
|
+13.0% | 24.4% | 17.2% | 19.8% | 50% |
| Indirect Auto % |
48.2%
-7.2% YoY-5.3% QoQ
|
+34.4% | 13.8% | 22.5% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)