BlastPoint's Credit Union Scorecard

AEROSPACE

Charter #14723 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 in CA

AEROSPACE has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Average Member Relationship (AMR): Top 1.9% in tier
+ Loan Growth Rate: Top 2.7% in tier
+ Loan-to-Member Ratio (LMR): Top 6.0% in tier
+ Total Assets: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.66% below tier average
- Efficiency ratio 11.01% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,292 -1.4% YoY-2.0% QoQ	-6.1K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	25%
Assets	$428.0M -8.7% YoY-9.5% QoQ	+$196.1M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Top 6.9% in tier
Loans	$162.3M +22.4% YoY+1.4% QoQ	+$15.0M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	65%
Deposits	$331.4M -1.5% YoY-0.1% QoQ	+$130.6M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Top 13.3% in tier

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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	0.1% -33.6% QoQ	-0.7%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 9.0% in tier
NIM	1.6% +28.4% YoY+3.4% QoQ	-2.0%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 0.5% in tier
Efficiency Ratio	88.0% -11.4% YoY+2.8% QoQ	+11.0%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Bottom 13.9% in tier
Delinquency Rate	0.3% +343.9% YoY+37.1% QoQ	-0.6	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	15%
Loan To Share	49.0% +24.2% YoY+1.5% QoQ	-23.2%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 10.0% in tier
AMR	$53,130 +6.7% YoY+2.4% QoQ	+$28K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 2.0% in tier
CD Concentration	40.4% +6.6% YoY+2.6% QoQ	+16.0%	24.4%	21.7%	19.8%	50%
Indirect Auto %	15.1% -12.0% QoQ	+1.3%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#89 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.69%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#351 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): 6.69%

(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 | Rank worsening

Concerns (6)

Credit Risk Growth

risk

#59 of 456 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 22.36%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Efficiency Drag

risk

#85 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: 88.03%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.13% points

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

but better than tier avg

Member Growth (YoY): -1.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

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

↓ Shrinking -98 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#329 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Membership Headwinds

decline

#432 of 554 • 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): -1.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#543 of 554 • 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): -1.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 22.36%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.29%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#503 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): -8.65%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 15.11%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.36%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

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

↓ Shrinking -35 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 (7 metrics)

Average Member Relationship (AMR)

engagement

Value: $53,130

Peer Median: -

#21 of 1069 Top 1.9% in 100M-500M tier

Loan Growth Rate

growth

Value: 22.36%

Peer Median: -

#30 of 1069 Top 2.7% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,469

Peer Median: -

#65 of 1069 Top 6.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $427.97M

Peer Median: -

#74 of 1069 Top 6.8% in 100M-500M tier

142

Total Deposits

balance_sheet

Value: $331.36M

Peer Median: -

#142 of 1069 Top 13.2% in 100M-500M tier

164

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: -

#164 of 1069 Top 15.2% in 100M-500M tier

165

Members Per Employee (MPE)

engagement

Value: 422.364

Peer Median: -

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

Top Weaknesses (9 metrics)

1064

Net Interest Margin (NIM)

profitability

Value: 1.58%

Peer Median: -

#1064 of 1069 Bottom 0.6% in 100M-500M tier

1061

Asset Growth Rate

growth

Value: -8.65%

Peer Median: -

#1061 of 1069 Bottom 0.8% in 100M-500M tier

991

Share Certificate Concentration (%)

balance_sheet

Value: 40.44%

Peer Median: -

#991 of 1069 Bottom 7.4% in 100M-500M tier

973

Return on Assets (ROA)

profitability

Value: 0.10%

Peer Median: -

#973 of 1069 Bottom 9.1% in 100M-500M tier

962

Loan-to-Share Ratio

balance_sheet

Value: 48.99%

Peer Median: -

#962 of 1069 Bottom 10.1% in 100M-500M tier

959

Deposit Growth Rate

growth

Value: -1.51%

Peer Median: -

#959 of 1069 Bottom 10.4% in 100M-500M tier

921

Efficiency Ratio

profitability

Value: 88.03%

Peer Median: -

#921 of 1069 Bottom 13.9% in 100M-500M tier

913

Fee Income Per Member

profitability

Value: $101.56

Peer Median: -

#913 of 1069 Bottom 14.7% in 100M-500M tier

834

First Mortgage Concentration (%)

balance_sheet

Value: 43.30%

Peer Median: -

#834 of 1069 Bottom 22.1% in 100M-500M tier