BlastPoint's Credit Union Scorecard
AEROSPACE
Charter #14723 · CA
AEROSPACE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 2.0% in tier
- + Loan-to-Member Ratio (LMR): Top 6.2% in tier
- + Total Assets: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - ROA 0.73% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,292
-1.7% YoY0% QoQ
|
-5.9K |
15,145
-2.5% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
26% |
| Assets |
$422.8M
-10.3% YoY-1.2% QoQ
|
+$191.1M |
$231.7M
+0.8% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 7.9% in tier |
| Loans |
$158.8M
-5.4% YoY-2.1% QoQ
|
+$14.7M |
$144.1M
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$326.9M
-2.3% YoY-1.3% QoQ
|
+$125.8M |
$201.1M
+0.4% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 13.8% in tier |
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| ROA |
0.0%
-99.3% YoY-99.0% QoQ
|
-0.7% |
0.7%
+5.1% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.7% in tier |
| NIM |
1.8%
+18.4% YoY+12.3% QoQ
|
-1.9% |
3.6%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
86.2%
-0.8% YoY-2.1% QoQ
|
+8.2% |
78.0%
-1.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate |
0.3%
+182.0% YoY+10.3% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
48.6%
-3.2% YoY-0.8% QoQ
|
-21.8% |
70.4%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.6% in tier |
| AMR |
$52,278
-1.7% YoY-1.6% QoQ
|
+$27K |
$24,918
+2.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 2.1% in tier |
| CD Concentration |
40.7%
+6.4% YoY+0.6% QoQ
|
+16.4% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
13.6%
-35.0% YoY-9.9% QoQ
|
-0.2% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)