AERO

Charter #12164 | AZ

100M-500M (1077 CUs) Micro
8 100M-500M in AZ

AERO has 9 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.5% in tier
  • + Relationship Depth Leader: Top 15.2% 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
  • - Liquidity Overhang: Bottom 35.2% 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
 Top 18.9% in tier
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
 Top 18.2% in tier
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
 42nd in tier
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
 Bottom 21.8% in tier
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
 48th in tier
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
 Top 17.9% in tier
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
 55th in tier
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
 50th in tier
Indirect Auto % 50.8%
+0.6% YoY-5.8% QoQ
 +36.9% 14.0%
-5.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#98 of 1006 • Top 3.5% in tier

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

Why This Signature
AMR Growth (YoY): 10.75%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#421 of 1006 • Top 15.2% in tier

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

Why This Signature
AMR Growth (YoY): 10.75%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#487 of 603 • Top 26.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.66%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.65%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 50.84%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#12 of 525 • Bottom 0.7% in tier

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

Why This Signature
Asset Growth (YoY): 12.86%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 50.84%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.66%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Cost Spiral

risk
#58 of 62 • Bottom 23.5% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 5.00% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $345.66M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Liquidity Overhang

risk
#545 of 552 • Bottom 35.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.05%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.75%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 1077 peers in tier

Top Strengths (13 metrics)

54
Deposit Growth Rate
growth
Value: 13.80%
Peer Avg: 4.69%
#54 of 1077 Top 4.9% in 100M-500M tier
57
Asset Growth Rate
growth
Value: 12.86%
Peer Avg: 4.70%
#57 of 1077 Top 5.2% in 100M-500M tier
76
Total Delinquency Rate (60+ days)
risk
Value: 0.13%
Peer Avg: 0.86%
#76 of 1077 Top 7.0% in 100M-500M tier
79
AMR Growth Rate
growth
Value: 10.75%
Peer Avg: 3.64%
#79 of 1077 Top 7.2% in 100M-500M tier
92
Loan Growth Rate
growth
Value: 13.58%
Peer Avg: 3.45%
#92 of 1077 Top 8.4% in 100M-500M tier
103
Members Per Employee (MPE)
engagement
Value: 460.755
Peer Avg: 332.881
#103 of 1077 Top 9.5% in 100M-500M tier
115
Total Loans
balance_sheet
Value: $267.91M
Peer Avg: $147.80M
#115 of 1077 Top 10.6% in 100M-500M tier
141
First Mortgage Concentration (%)
balance_sheet
Value: 10.45%
Peer Avg: 30.43%
#141 of 1077 Top 13.0% in 100M-500M tier
152
Total Members
engagement
Value: 24,420
Peer Avg: 15,628
#152 of 1077 Top 14.0% in 100M-500M tier
193
Loan-to-Share Ratio
balance_sheet
Value: 88.75%
Peer Avg: 72.70%
#193 of 1077 Top 17.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1039
Indirect Auto Concentration (%)
balance_sheet
Value: 50.84%
Peer Avg: 13.34%
#1039 of 1077 Bottom 3.6% in 100M-500M tier
974
Share Certificate Concentration (%)
balance_sheet
Value: 38.79%
Peer Avg: 23.61%
#974 of 1077 Bottom 9.7% in 100M-500M tier
965
Fee Income Per Member
profitability
Value: $87.37
Peer Avg: $174.31
#965 of 1077 Bottom 10.5% in 100M-500M tier
842
Net Interest Margin (NIM)
profitability
Value: 3.07%
Peer Avg: 3.58%
#842 of 1077 Bottom 21.9% in 100M-500M tier