BlastPoint's Credit Union Scorecard

A.A.E.C.

Charter #60648 · IL

100M-500M

1070 CUs in 100M-500M nationally 28 in IL

A.A.E.C. has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 3.9% in tier

Key Concerns

Areas that may need attention

- ROA 0.15% below tier average
- Fee Income Per Member: Bottom 2.3% in tier
- Total Members: Bottom 2.5% in tier
- Net Interest Margin (NIM): Bottom 5.3% in tier
- Total Loans: Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	4,513 +4.2% YoY+0.5% QoQ	-10.6K	15,145 -2.5% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	Bottom 2.4% in tier
Assets	$118.6M +7.2% YoY+0.6% QoQ	$-113.1M	$231.7M +0.8% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	Bottom 12.7% in tier
Loans	$50.2M +4.5% YoY+2.5% QoQ	$-93.9M	$144.1M +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	Bottom 5.8% in tier
Deposits	$102.7M +7.1% YoY+0.3% QoQ	$-98.4M	$201.1M +0.4% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	Bottom 12.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +22.4% YoY+68.0% QoQ	-0.2%	0.7% +5.1% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	41%
NIM	2.6% +15.3% YoY+14.8% QoQ	-1.1%	3.6% +4.6% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	Bottom 5.2% in tier
Efficiency Ratio	74.1% -7.0% YoY-9.1% QoQ	-4.0%	78.0% -1.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.1% -54.7% YoY+15.6% QoQ	-0.7	0.8% +7.1% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	Top 3.9% in tier
Loan To Share	48.9% -2.5% YoY+2.2% QoQ	-21.5%	70.4% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	Bottom 10.9% in tier
AMR	$33,893 +2.0% YoY+0.6% QoQ	+$9K	$24,918 +2.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	Top 11.6% in tier
CD Concentration	28.8% +16.6% YoY-0.8% QoQ	+4.5%	24.3%	14.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#106 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.23%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#135 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.23%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.58%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#123 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.58%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 4.23%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Relationship Depth Leader

growth

#235 of 257 • 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): 1.96%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $2.6K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (0)

No concerns identified

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 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: 0.61%

#43 of 1070 Top 3.9% in 100M-500M tier

124

Average Member Relationship (AMR)

engagement

Value: $33,893

Peer Median: $22,931

#124 of 1070 Top 11.5% in 100M-500M tier

147

Member Growth Rate

growth

Value: 4.23%

Peer Median: -0.06%

#147 of 1070 Top 13.6% in 100M-500M tier

229

Deposit Growth Rate

growth

Value: 7.14%

Peer Median: 3.30%

#229 of 1070 Top 21.3% in 100M-500M tier

247

Asset Growth Rate

growth

Value: 7.21%

Peer Median: 3.91%

#247 of 1070 Top 23.0% in 100M-500M tier

268

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: 0.35%

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1046

Fee Income Per Member

profitability

Value: $33.31

Peer Median: $154.95

#1046 of 1070 Bottom 2.3% in 100M-500M tier

1044

Total Members

engagement

Value: 4,513

Peer Median: 13,200

#1044 of 1070 Bottom 2.5% in 100M-500M tier

1014

Net Interest Margin (NIM)

profitability

Value: 2.55%

Peer Median: 3.62%

#1014 of 1070 Bottom 5.3% in 100M-500M tier

1008

Total Loans

balance_sheet

Value: $50.21M

Peer Median: $121.41M

#1008 of 1070 Bottom 5.9% in 100M-500M tier

953

Loan-to-Share Ratio

balance_sheet

Value: 48.87%

Peer Median: 71.88%

#953 of 1070 Bottom 11.0% in 100M-500M tier

934

Total Assets

balance_sheet

Value: $118.64M

Peer Median: $196.57M

#934 of 1070 Bottom 12.8% in 100M-500M tier

933

Total Deposits

balance_sheet

Value: $102.75M

Peer Median: $171.29M

#933 of 1070 Bottom 12.9% in 100M-500M tier