BlastPoint's Credit Union Scorecard

A.A.E.C.

Charter #60648 · IL

1077 CUs in 100M-500M nationally 31 in IL

A.A.E.C. has 12 strengths but faces 9 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 5.4% in tier
+ Organic Growth Engine: Top 8.2% in tier
+ Credit Quality Leader: Top 8.8% in tier
+ Relationship Depth Leader: Top 19.5% in tier
+ Wallet Share Momentum: Top 42.9% in tier
+ Emerging Performer: Top 59.0% in tier
+ Strong member growth: 5.5% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Deposit Growth Rate: Top 2.5% in tier
+ Asset Growth Rate: Top 2.6% in tier
+ Total Delinquency Rate (60+ days): Top 2.7% in tier
+ Member Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 2.5% in tier
- Credit Quality Pressure: Bottom 26.8% in tier
- Credit Risk Growth: Bottom 28.7% in tier
- ROA 0.13% below tier average
- Total Members: Bottom 1.9% in tier
- Fee Income Per Member: Bottom 2.4% in tier
- Net Interest Margin (NIM): Bottom 4.5% in tier
- Total Loans: Bottom 4.9% in tier
- Loan-to-Share Ratio: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	4,396 +5.5% YoY+3.5% QoQ	-11.2K	15,628 -3.4% YoY	21,352 +8.3% YoY	33,089 +6.1% YoY	Bottom 1.9% in tier
Assets	$117.1M +18.4% YoY+4.6% QoQ	$-114.2M	$231.3M -0.0% YoY	$379.6M +9.6% YoY	$547.7M +7.8% YoY	Bottom 11.7% in tier
Loans	$47.9M +2.4% YoY-0.8% QoQ	$-99.9M	$147.8M -1.4% YoY	$267.7M +12.9% YoY	$388.7M +8.6% YoY	Bottom 4.8% in tier
Deposits	$101.5M +20.2% YoY+4.7% QoQ	$-98.8M	$200.3M -0.0% YoY	$314.3M +10.4% YoY	$464.6M +9.3% YoY	Bottom 12.1% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.7% -51.7% YoY+1.5% QoQ	-0.1%	0.8% +15.5% YoY	0.8% -108.9% YoY	0.7% +273.4% YoY	43%
NIM	2.3% -5.1% YoY+1.0% QoQ	-1.3%	3.6% +6.9% YoY	3.7% +5.1% YoY	3.7% +5.0% YoY	Bottom 4.4% in tier
Efficiency Ratio	71.3% +23.0% YoY+0.6% QoQ	-5.9%	77.3% -3.0% YoY	90.4% +10.2% YoY	79.1% -3.3% YoY	29%
Delinquency Rate	0.1% +93.4% YoY+12.2% QoQ	-0.8	0.9% +7.6% YoY	1.5% -12.1% YoY	1.2% -0.9% YoY	Bottom 2.7% in tier
Loan To Share	47.2% -14.9% YoY-5.3% QoQ	-25.5%	72.7% -1.5% YoY	62.3% -1.7% YoY	68.0% -1.7% YoY	Bottom 7.9% in tier
AMR	$33,979 +7.9% YoY-0.6% QoQ	+$10K	$24,363 +2.9% YoY	$15,032 +2.8% YoY	$19,418 +1.3% YoY	Top 10.7% in tier
CD Concentration	31.0% +100.8% YoY+22.9% QoQ	+6.6%	24.4% +4.2% YoY	13.7% +4.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.2% +3.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Organic Growth Leader

growth

#72 of 430 • Top 5.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.47%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#152 of 603 • Top 8.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.47%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.66%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Credit Quality Leader

growth

#31 of 340 • Top 8.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.05%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Relationship Depth Leader

growth

#51 of 257 • Top 19.5% 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): 7.95%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.5K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#207 of 481 • Top 42.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.95%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Emerging Performer

growth

#113 of 191 • Top 59.0% 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: 0.66%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 5.47%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (3)

Cost Spiral

risk

#7 of 62 • Bottom 2.5% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 13.34% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 37.70%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Credit Quality Pressure

risk

#665 of 736 • Bottom 26.8% 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: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#430 of 446 • Bottom 28.7% in tier

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

Why This Signature

Loan Growth (YoY): 2.36%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 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 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 20.22%

Peer Avg: -

#28 of 1077 Top 2.5% in 100M-500M tier

Asset Growth Rate

growth

Value: 18.37%

Peer Avg: -

#29 of 1077 Top 2.6% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Avg: -

#30 of 1077 Top 2.7% in 100M-500M tier

Member Growth Rate

growth

Value: 5.47%

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

115

Average Member Relationship (AMR)

engagement

Value: $33,979

Peer Avg: -

#115 of 1077 Top 10.6% in 100M-500M tier

161

AMR Growth Rate

growth

Value: 7.95%

Peer Avg: -

#161 of 1077 Top 14.9% in 100M-500M tier

189

Net Charge-Off Rate

risk

Value: 0.12%

Peer Avg: -

#189 of 1077 Top 17.5% in 100M-500M tier

Top Weaknesses (9 metrics)

1057

Total Members

engagement

Value: 4,396

Peer Avg: -

#1057 of 1077 Bottom 1.9% in 100M-500M tier

1052

Fee Income Per Member

profitability

Value: $43.40

Peer Avg: -

#1052 of 1077 Bottom 2.4% in 100M-500M tier

1030

Net Interest Margin (NIM)

profitability

Value: 2.33%

Peer Avg: -

#1030 of 1077 Bottom 4.5% in 100M-500M tier

1025

Total Loans

balance_sheet

Value: $47.88M

Peer Avg: -

#1025 of 1077 Bottom 4.9% in 100M-500M tier

992

Loan-to-Share Ratio

balance_sheet

Value: 47.17%

Peer Avg: -

#992 of 1077 Bottom 8.0% in 100M-500M tier

951

Total Assets

balance_sheet

Value: $117.07M

Peer Avg: -

#951 of 1077 Bottom 11.8% in 100M-500M tier

947

Total Deposits

balance_sheet

Value: $101.49M

Peer Avg: -

#947 of 1077 Bottom 12.2% in 100M-500M tier

853

First Mortgage Concentration (%)

balance_sheet

Value: 44.47%

Peer Avg: -

#853 of 1077 Bottom 20.9% in 100M-500M tier

810

Share Certificate Concentration (%)

balance_sheet

Value: 30.99%

Peer Avg: -

#810 of 1077 Bottom 24.9% in 100M-500M tier