BlastPoint's Credit Union Scorecard

AEROQUIP

Charter #61405 · MI

<100M

2508 CUs in <100M nationally 56 in MI

AEROQUIP has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 5.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	3,954 +0.1% YoY+0.3% QoQ	+1.3K	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	79%
Assets	$52.3M +4.0% YoY+2.1% QoQ	+$22.1M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	78%
Loans	$28.4M -0.7% YoY-2.1% QoQ	+$13.1M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	81%
Deposits	$43.7M +3.4% YoY+2.4% QoQ	+$17.9M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	78%

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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	0.2% -52.9% YoY-73.7% QoQ	+0.0%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	28%
NIM	4.3% +2.5% YoY-1.9% QoQ	+0.3%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	69%
Efficiency Ratio	83.5% +1.2% YoY+4.4% QoQ	-7.2%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	0.8% +124.4% YoY-13.0% QoQ	-0.7	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	58%
Loan To Share	65.0% -4.0% YoY-4.4% QoQ	+6.4%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	59%
AMR	$18,219 +1.7% YoY+0.3% QoQ	+$3K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	70%
CD Concentration	5.1% +144.9% YoY+9.3% QoQ	-19.2%	24.3%	18.6%	19.8%	50%
Indirect Auto %	19.9% +8.5% YoY+3.7% QoQ	+6.1%	13.8%	11.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

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 2508 peers in tier

Top Strengths (6 metrics)

328

Fee Income Per Member

profitability

Value: $143.69

Peer Median: $60.42

#328 of 2508 Top 13.0% in <100M tier

468

Total Loans

balance_sheet

Value: $28.37M

Peer Median: $9.48M

#468 of 2508 Top 18.6% in <100M tier

537

Total Members

engagement

Value: 3,954

Peer Median: 1,918

#537 of 2508 Top 21.4% in <100M tier

538

Total Assets

balance_sheet

Value: $52.29M

Peer Median: $21.86M

#538 of 2508 Top 21.4% in <100M tier

563

Total Deposits

balance_sheet

Value: $43.67M

Peer Median: $18.77M

#563 of 2508 Top 22.4% in <100M tier

589

Loan-to-Member Ratio (LMR)

engagement

Value: $7,174

Peer Median: $4,923

#589 of 2508 Top 23.4% in <100M tier

Top Weaknesses (3 metrics)

2372

Indirect Auto Concentration (%)

balance_sheet

Value: 19.86%

Peer Median: 0.00%

#2372 of 2508 Bottom 5.5% in <100M tier

2235

First Mortgage Concentration (%)

balance_sheet

Value: 44.12%

Peer Median: 3.66%

#2235 of 2508 Bottom 10.9% in <100M tier

2098

Net Charge-Off Rate

risk

Value: 0.86%

Peer Median: 0.07%

#2098 of 2508 Bottom 16.4% in <100M tier