AEROSPACE

Charter #14723 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

AEROSPACE has 7 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.1% in tier
  • + Wallet Share Momentum: Top 2.1% in tier
  • + Loan Growth Rate: Top 0.5% in tier
  • + Average Member Relationship (AMR): Top 1.9% in tier
  • + Total Assets: Top 2.7% in tier
  • + AMR Growth Rate: Top 4.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 6.5% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 4.3% in tier
  • - Deposit Outflow: Bottom 9.0% in tier
  • - Efficiency Drag: Bottom 11.4% in tier
  • - Credit Quality Pressure: Bottom 16.7% in tier
  • - Membership Headwinds: Bottom 24.5% in tier
  • - Stagnation Risk: Bottom 25.8% in tier
  • - Indirect Auto Dependency: Bottom 31.8% in tier
  • - ROA 0.64% below tier average
  • - Efficiency ratio 8.34% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 0.6% in tier
  • - Share Certificate Concentration (%): Bottom 8.4% in tier
  • - Asset Growth Rate: Bottom 8.9% in tier
  • - Loan-to-Share Ratio: Bottom 9.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 9,477
-1.4% YoY+0.2% QoQ
 -6.2K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $473.0M
-2.3% YoY+0.7% QoQ
 +$241.7M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 2.8% in tier
Loans $160.1M
+56.5% YoY-2.7% QoQ
 +$12.3M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 64th in tier
Deposits $331.6M
-1.5% YoY+0.2% QoQ
 +$131.3M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 12.6% in tier
ROA 0.2%
-1374.5% YoY-6.6% QoQ
 -0.6% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 11.7% in tier
NIM 1.5%
+22.8% YoY+0.1% QoQ
 -2.1% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 0.5% in tier
Efficiency Ratio 85.6%
-12.9% YoY-1.7% QoQ
 +8.3% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 21.8% in tier
Delinquency Rate 0.2%
+245.8% YoY-21.1% QoQ
 -0.6 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 12.1% in tier
Loan To Share 48.3%
+58.9% YoY-2.9% QoQ
 -24.4% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 9.2% in tier
AMR $51,879
+13.7% YoY-1.0% QoQ
 +$28K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 1.9% in tier
CD Concentration 39.4%
+4.9% YoY+4.1% QoQ
 +15.0% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 17.2%
-7.2% QoQ
 +3.2% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#58 of 1006 • Top 2.1% in tier

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

Why This Signature
AMR Growth (YoY): 13.67%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#60 of 1006 • Top 2.1% in tier

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

Why This Signature
AMR Growth (YoY): 13.67%
(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

Concerns (7)

Growth-at-Risk

risk
#65 of 446 • Bottom 4.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 56.51%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Deposit Outflow

decline
#54 of 114 • Bottom 9.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.48%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $473.01M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank worsening

Efficiency Drag

risk
#202 of 521 • Bottom 11.4% in tier

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

Why This Signature
Efficiency Ratio: 85.62%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.16% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -1.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#415 of 736 • Bottom 16.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline
#404 of 550 • Bottom 24.5% in tier

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

Why This Signature
Member Growth (YoY): -1.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#426 of 550 • Bottom 25.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.15%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $51.9K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 39.42%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#512 of 525 • Bottom 31.8% in tier

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

Why This Signature
Asset Growth (YoY): -2.33%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 17.18%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

6
Loan Growth Rate
growth
Value: 56.51%
Peer Avg: 3.45%
#6 of 1077 Top 0.5% in 100M-500M tier
21
Average Member Relationship (AMR)
engagement
Value: $51,879
Peer Avg: $24,363
#21 of 1077 Top 1.9% in 100M-500M tier
30
Total Assets
balance_sheet
Value: $473.01M
Peer Avg: $231.30M
#30 of 1077 Top 2.7% in 100M-500M tier
46
AMR Growth Rate
growth
Value: 13.67%
Peer Avg: 3.64%
#46 of 1077 Top 4.2% in 100M-500M tier
71
Loan-to-Member Ratio (LMR)
engagement
Value: $16,892
Peer Avg: $10,245
#71 of 1077 Top 6.5% in 100M-500M tier
131
Total Delinquency Rate (60+ days)
risk
Value: 0.21%
Peer Avg: 0.86%
#131 of 1077 Top 12.1% in 100M-500M tier
136
Total Deposits
balance_sheet
Value: $331.57M
Peer Avg: $200.29M
#136 of 1077 Top 12.5% in 100M-500M tier
228
Members Per Employee (MPE)
engagement
Value: 394.875
Peer Avg: 332.881
#228 of 1077 Top 21.1% in 100M-500M tier

Top Weaknesses (10 metrics)

1072
Net Interest Margin (NIM)
profitability
Value: 1.53%
Peer Avg: 3.58%
#1072 of 1077 Bottom 0.6% in 100M-500M tier
987
Share Certificate Concentration (%)
balance_sheet
Value: 39.42%
Peer Avg: 23.61%
#987 of 1077 Bottom 8.4% in 100M-500M tier
982
Asset Growth Rate
growth
Value: -2.33%
Peer Avg: 4.70%
#982 of 1077 Bottom 8.9% in 100M-500M tier
978
Loan-to-Share Ratio
balance_sheet
Value: 48.28%
Peer Avg: 72.70%
#978 of 1077 Bottom 9.3% in 100M-500M tier
959
Deposit Growth Rate
growth
Value: -1.48%
Peer Avg: 4.69%
#959 of 1077 Bottom 11.0% in 100M-500M tier
951
Return on Assets (ROA)
profitability
Value: 0.15%
Peer Avg: 0.79%
#951 of 1077 Bottom 11.8% in 100M-500M tier
944
Net Worth Ratio
risk
Value: 8.96%
Peer Avg: 12.15%
#944 of 1077 Bottom 12.4% in 100M-500M tier
927
Fee Income Per Member
profitability
Value: $98.18
Peer Avg: $174.31
#927 of 1077 Bottom 14.0% in 100M-500M tier
860
First Mortgage Concentration (%)
balance_sheet
Value: 45.08%
Peer Avg: 30.43%
#860 of 1077 Bottom 20.2% in 100M-500M tier
843
Efficiency Ratio
profitability
Value: 85.62%
Peer Avg: 77.28%
#843 of 1077 Bottom 21.8% in 100M-500M tier