BlastPoint's Credit Union Scorecard
AERO
Charter #12164 · AZ
AERO has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 20.2% in tier
- + Credit Quality Leader: Top 24.8% in tier
- + Organic Growth Engine: Top 26.5% in tier
- + Deposit Growth Rate: Top 4.9% in tier
- + Asset Growth Rate: Top 5.2% in tier
- + Total Delinquency Rate (60+ days): Top 7.0% in tier
- + AMR Growth Rate: Top 7.2% in tier
- + Loan Growth Rate: Top 8.4% in tier
- + Members Per Employee (MPE): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.7% in tier
- - Cost Spiral: Bottom 23.5% in tier
- - ROA 0.14% below tier average
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
- - Share Certificate Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,420
+2.7% YoY+0.3% QoQ
|
+8.8K |
15,628
-3.4% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 14.1% in tier |
| Assets |
$345.7M
+12.9% YoY+0.8% QoQ
|
+$114.4M |
$231.3M
-0.0% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
81% |
| Loans |
$267.9M
+13.6% YoY+2.9% QoQ
|
+$120.1M |
$147.8M
-1.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
Top 10.7% in tier |
| Deposits |
$301.9M
+13.8% YoY+0.9% QoQ
|
+$101.6M |
$200.3M
-0.0% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
0.6%
-14.9% YoY-32.0% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
3.1%
-4.0% YoY+2.0% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
76.7%
+7.0% YoY+4.9% QoQ
|
-0.5% |
77.3%
-3.0% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.1%
-33.6% YoY-18.0% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 7.0% in tier |
| Loan To Share |
88.7%
-0.2% YoY+1.9% QoQ
|
+16.0% |
72.7%
-1.5% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$23,333
+10.8% YoY+1.5% QoQ
|
$-1K |
$24,363
+2.9% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
38.8%
+22.3% YoY+3.7% QoQ
|
+14.4% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
50.8%
+0.6% YoY-5.8% QoQ
|
+36.9% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)