BlastPoint's Credit Union Scorecard

AEROSPACE

Charter #14723 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 in CA

AEROSPACE has 4 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
+ Average Member Relationship (AMR): Top 2.0% in tier
+ Total Assets: Top 5.3% in tier
+ Loan-to-Member Ratio (LMR): Top 7.0% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.82% below tier average
- Efficiency ratio 15.19% above tier (higher cost structure)
- Member decline: -4.8% YoY

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 57 that size in California.
Shares and deposits -1.6% year over year ($326M in shares and deposits).
Membership: 9,001 members, -4.8% vs a year ago.
Delinquency rate 0.30%.
Return on assets 0.04%.
Efficiency ratio 91.93% vs a 76.73% peer average.
Loan-to-share ratio 47.34% 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 (CA)	National Avg	Tier Percentile
Members	9,001 -4.8% YoY-3.1% QoQ	-6.2K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	25%
Assets	$445.7M -5.1% YoY+5.4% QoQ	+$213.7M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Top 5.4% in tier
Loans	$154.1M -6.3% YoY-3.0% QoQ	+$7.8M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	63%
Deposits	$325.5M -1.6% YoY-0.4% QoQ	+$124.8M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Top 14.4% 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	0.0% -74.3% YoY	-0.8%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	Bottom 1.3% in tier
NIM	1.7% +9.3% YoY-6.0% QoQ	-2.0%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 0.3% in tier
Efficiency Ratio	91.9% +5.6% YoY+6.7% QoQ	+15.2%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	Bottom 8.1% in tier
Delinquency Rate	0.3% +12.7% YoY-5.5% QoQ	-0.6	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	19%
Loan To Share	47.3% -4.8% YoY-2.6% QoQ	-24.2%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 9.5% in tier
AMR	$53,287 +1.7% YoY+1.9% QoQ	+$28K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Top 2.1% in tier
CD Concentration	41.3% +9.0% YoY+1.5% QoQ	+16.7%	24.6%	22.2%	20.0%	50%
Indirect Auto %	12.7% -31.5% YoY-6.9% QoQ	-0.9%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#243 of 262 • 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): 1.72%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $3.5K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (5)

Institutional Decline

decline

#18 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $445.70M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -4.83%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.33%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Stagnation Risk

risk

#121 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): -4.83%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.33%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.30%

(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 | Rank improving

Membership Headwinds

decline

#136 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): -4.83%

(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 | Rank improving

Efficiency Drag

risk

#137 of 531 • 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: 91.93%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -4.83%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#614 of 693 • 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): 0.03% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (6 metrics)

Average Member Relationship (AMR)

engagement

Value: $53,287

Peer Median: $23,006

#21 of 1024 Top 2.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $445.70M

Peer Median: $196.38M

#55 of 1024 Top 5.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,121

Peer Median: $9,434

#73 of 1024 Top 7.0% in 100M-500M tier

147

Total Deposits

balance_sheet

Value: $325.54M

Peer Median: $170.77M

#147 of 1024 Top 14.3% in 100M-500M tier

180

Members Per Employee (MPE)

engagement

Value: 409.136

Peer Median: 310.924

#180 of 1024 Top 17.5% in 100M-500M tier

194

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: 0.71%

#194 of 1024 Top 18.8% in 100M-500M tier

Top Weaknesses (13 metrics)

1021

Net Interest Margin (NIM)

profitability

Value: 1.67%

Peer Median: 3.67%

#1021 of 1024 Bottom 0.4% in 100M-500M tier

1011

Return on Assets (ROA)

profitability

Value: 0.04%

Peer Median: 0.75%

#1011 of 1024 Bottom 1.4% in 100M-500M tier

1005

Asset Growth Rate

growth

Value: -5.14%

Peer Median: 4.12%

#1005 of 1024 Bottom 2.0% in 100M-500M tier

956

Loan Growth Rate

growth

Value: -6.33%

Peer Median: 3.02%

#956 of 1024 Bottom 6.7% in 100M-500M tier

953

Share Certificate Concentration (%)

balance_sheet

Value: 41.29%

Peer Median: 23.39%

#953 of 1024 Bottom 7.0% in 100M-500M tier

942

Efficiency Ratio

profitability

Value: 91.93%

Peer Median: 77.26%

#942 of 1024 Bottom 8.1% in 100M-500M tier

927

Loan-to-Share Ratio

balance_sheet

Value: 47.34%

Peer Median: 73.07%

#927 of 1024 Bottom 9.6% in 100M-500M tier

915

Member Growth Rate

growth

Value: -4.83%

Peer Median: -0.03%

#915 of 1024 Bottom 10.7% in 100M-500M tier

906

Deposit Growth Rate

growth

Value: -1.64%

Peer Median: 3.58%

#906 of 1024 Bottom 11.6% in 100M-500M tier

839

Net Worth Ratio

risk

Value: 9.47%

Peer Median: 11.71%

#839 of 1024 Bottom 18.2% in 100M-500M tier