BlastPoint's Credit Union Scorecard

AERO

Charter #12164 · AZ

100M-500M

1069 CUs in 100M-500M nationally 8 in AZ

AERO has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 8.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% 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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	Top 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 (1)

Wallet Share Momentum

growth

#279 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.48%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#34 of 506 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 7.89%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 48.16%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.31%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk

#443 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.08%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.31%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (12 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Median: -

#86 of 1069 Top 8.0% in 100M-500M tier

115

Total Loans

balance_sheet

Value: $266.94M

Peer Median: -

#115 of 1069 Top 10.7% in 100M-500M tier

156

Total Members

engagement

Value: 23,735

Peer Median: -

#156 of 1069 Top 14.5% in 100M-500M tier

162

Members Per Employee (MPE)

engagement

Value: 423.839

Peer Median: -

#162 of 1069 Top 15.1% in 100M-500M tier

165

First Mortgage Concentration (%)

balance_sheet

Value: 12.39%

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

182

Loan Growth Rate

growth

Value: 9.68%

Peer Median: -

#182 of 1069 Top 16.9% in 100M-500M tier

193

Total Deposits

balance_sheet

Value: $301.87M

Peer Median: -

#193 of 1069 Top 18.0% in 100M-500M tier

193

Loan-to-Share Ratio

balance_sheet

Value: 88.43%

Peer Median: -

#193 of 1069 Top 18.0% in 100M-500M tier

201

Total Assets

balance_sheet

Value: $345.90M

Peer Median: -

#201 of 1069 Top 18.7% in 100M-500M tier

210

Deposit Growth Rate

growth

Value: 8.19%

Peer Median: -

#210 of 1069 Top 19.6% in 100M-500M tier

Top Weaknesses (4 metrics)

1029

Indirect Auto Concentration (%)

balance_sheet

Value: 48.16%

Peer Median: -

#1029 of 1069 Bottom 3.8% in 100M-500M tier

963

Share Certificate Concentration (%)

balance_sheet

Value: 37.43%

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

960

Fee Income Per Member

profitability

Value: $89.25

Peer Median: -

#960 of 1069 Bottom 10.3% in 100M-500M tier

832

Net Interest Margin (NIM)

profitability

Value: 3.10%

Peer Median: -

#832 of 1069 Bottom 22.3% in 100M-500M tier