BlastPoint's Credit Union Scorecard
AERO
Charter #12164 · AZ
AERO has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.36% above tier average
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,937
+0.9% YoY+0.9% QoQ
|
+8.8K |
15,145
-2.5% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
Top 13.3% in tier |
| Assets |
$360.9M
+7.5% YoY+4.3% QoQ
|
+$129.2M |
$231.7M
+0.8% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$271.8M
+11.2% YoY+1.8% QoQ
|
+$127.6M |
$144.1M
+0.2% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
Top 9.3% in tier |
| Deposits |
$315.7M
+7.9% YoY+4.6% QoQ
|
+$114.6M |
$201.1M
+0.4% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
1.1%
+18.0% YoY+124.5% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
3.1%
+4.6% YoY+0.8% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
64.7%
-14.8% YoY-19.1% QoQ
|
-13.3% |
78.0%
-1.7% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
0.2%
-21.3% YoY+50.5% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
86.1%
+3.0% YoY-2.7% QoQ
|
+15.7% |
70.4%
-0.4% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$24,545
+8.5% YoY+2.4% QoQ
|
$-373 |
$24,918
+2.7% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
36.7%
+6.5% YoY-2.0% QoQ
|
+12.4% | 24.3% | 17.3% | 19.8% | 50% |
| Indirect Auto % |
46.0%
-11.7% YoY-4.4% QoQ
|
+32.2% | 13.8% | 21.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
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)