BlastPoint's Credit Union Scorecard

AERO

Charter #12164 · AZ

100M-500M

1024 CUs in 100M-500M nationally 8 in AZ

AERO has 7 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
+ ROA 0.40% above tier average
+ Total Delinquency Rate (60+ days): Top 6.1% in tier
+ Total Loans: Top 6.2% in tier
+ Loan Growth Rate: Top 7.6% in tier
+ AMR Growth Rate: Top 7.6% in tier
+ Loan-to-Share Ratio: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 7.6% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Arizona.
Shares and deposits +6.2% year over year ($318M in shares and deposits).
Membership: 24,067 members, -1.1% vs a year ago.
Delinquency rate 0.11%.
Return on assets 1.26%.
Efficiency ratio 67.13% vs a 76.73% peer average.
Loan-to-share ratio 93.73% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	24,067 -1.1% YoY+0.5% QoQ	+8.9K	15,168 -2.6% YoY	62,580 +4.2% YoY	34,678 +6.6% YoY	Top 13.3% in tier
Assets	$364.4M +6.2% YoY+1.0% QoQ	+$132.4M	$232.0M +0.7% YoY	$1.1B +8.8% YoY	$593.1M +10.2% YoY	84%
Loans	$297.8M +14.4% YoY+9.6% QoQ	+$151.6M	$146.3M +0.2% YoY	$693.0M +9.0% YoY	$418.6M +10.1% YoY	Top 6.2% in tier
Deposits	$317.8M +6.2% YoY+0.6% QoQ	+$117.0M	$200.7M +0.2% YoY	$946.4M +8.0% YoY	$504.8M +10.3% YoY	84%

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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	1.3% +32.4% YoY+16.0% QoQ	+0.4%	0.9% +12.5% YoY	0.9% +15.7% YoY	1.2% +121.4% YoY	79%
NIM	3.1% +4.0% YoY+0.3% QoQ	-0.6%	3.7% +4.5% YoY	4.0% +1.6% YoY	3.8% +2.3% YoY	20%
Efficiency Ratio	67.1% -8.3% YoY+3.7% QoQ	-9.6%	76.7% -0.8% YoY	75.7% -0.5% YoY	83.0% -5.3% YoY	20%
Delinquency Rate	0.1% -32.7% YoY-54.2% QoQ	-0.8	0.9% +6.6% YoY	0.9% +18.9% YoY	1.3% +2.6% YoY	Top 6.1% in tier
Loan To Share	93.7% +7.7% YoY+8.9% QoQ	+22.2%	71.5% -0.3% YoY	69.6% -1.2% YoY	66.4% -1.4% YoY	Top 7.8% in tier
AMR	$25,578 +11.3% YoY+4.2% QoQ	+$472	$25,107 +3.2% YoY	$19,787 +3.1% YoY	$20,028 -0.9% YoY	63%
CD Concentration	37.8% +1.0% YoY+2.9% QoQ	+13.2%	24.6%	17.9%	20.0%	50%
Indirect Auto %	40.9% -24.2% YoY-11.1% QoQ	+27.3%	13.6%	21.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#99 of 483 • 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): 11.27%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (4)

Indirect Auto Dependency

risk

#36 of 476 • 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): 6.24%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 40.91%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.13%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Liquidity Strain

risk

#72 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.73%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 14.38%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Membership Headwinds

decline

#445 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.13%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#546 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.13%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 14.38%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.11%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 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 1024 peers in tier

Top Strengths (13 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: 0.71%

#63 of 1024 Top 6.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $297.84M

Peer Median: $124.04M

#64 of 1024 Top 6.2% in 100M-500M tier

Loan Growth Rate

growth

Value: 14.38%

Peer Median: 3.02%

#79 of 1024 Top 7.6% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.27%

Peer Median: 3.53%

#79 of 1024 Top 7.6% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.73%

Peer Median: 73.07%

#80 of 1024 Top 7.7% in 100M-500M tier

136

Total Members

engagement

Value: 24,067

Peer Median: 13,128

#136 of 1024 Top 13.2% in 100M-500M tier

160

Total Deposits

balance_sheet

Value: $317.75M

Peer Median: $170.77M

#160 of 1024 Top 15.5% in 100M-500M tier

166

Total Assets

balance_sheet

Value: $364.37M

Peer Median: $196.38M

#166 of 1024 Top 16.1% in 100M-500M tier

187

Members Per Employee (MPE)

engagement

Value: 407.915

Peer Median: 310.924

#187 of 1024 Top 18.2% in 100M-500M tier

204

Efficiency Ratio

profitability

Value: 67.13%

Peer Median: 77.26%

#204 of 1024 Top 19.8% in 100M-500M tier

Top Weaknesses (3 metrics)

947

Indirect Auto Concentration (%)

balance_sheet

Value: 40.91%

Peer Median: 6.15%

#947 of 1024 Bottom 7.6% in 100M-500M tier

920

Share Certificate Concentration (%)

balance_sheet

Value: 37.77%

Peer Median: 23.39%

#920 of 1024 Bottom 10.3% in 100M-500M tier

824

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Median: 3.67%

#824 of 1024 Bottom 19.6% in 100M-500M tier