BlastPoint's Credit Union Scorecard

AEROQUIP

Charter #61405 · MI

<100M

2556 CUs in <100M nationally 59 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 0.39% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 5.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	3,943 -0.3% YoY-1.0% QoQ	+1.3K	2,615 -1.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	78%
Assets	$51.2M +1.3% YoY+1.8% QoQ	+$21.0M	$30.1M +2.1% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	78%
Loans	$29.0M +1.6% YoY+1.6% QoQ	+$13.2M	$15.8M -1.3% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	81%
Deposits	$42.6M -0.2% YoY+2.0% QoQ	+$16.9M	$25.7M +1.4% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	77%

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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	0.6% +72.7% YoY+2.3% QoQ	+0.0%	0.6% +10.8% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	48%
NIM	4.3% +12.8% YoY+0.0% QoQ	+0.4%	4.0% +4.0% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	69%
Efficiency Ratio	79.9% -6.7% YoY-1.4% QoQ	-2.6%	82.6% -2.3% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	51%
Delinquency Rate	0.9% +80.9% YoY+54.7% QoQ	-0.6	1.6% -3.1% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	57%
Loan To Share	68.0% +1.9% YoY-0.5% QoQ	+7.3%	60.6% -3.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	61%
AMR	$18,160 +0.8% YoY+2.9% QoQ	+$3K	$14,783 -1.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	71%
CD Concentration	4.7% -3.5% YoY-16.1% QoQ	-19.8%	24.4%	18.6%	19.8%	50%
Indirect Auto %	19.2% +10.6% YoY+0.4% QoQ	+5.4%	13.8%	11.8%	7.8%	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 2556 peers in tier

Top Strengths (6 metrics)

442

Fee Income Per Member

profitability

Value: $140.09

Peer Median: -

#442 of 2556 Top 17.3% in <100M tier

480

Total Loans

balance_sheet

Value: $28.97M

Peer Median: -

#480 of 2556 Top 18.7% in <100M tier

553

Total Members

engagement

Value: 3,943

Peer Median: -

#553 of 2556 Top 21.6% in <100M tier

565

Total Assets

balance_sheet

Value: $51.19M

Peer Median: -

#565 of 2556 Top 22.1% in <100M tier

576

Loan-to-Member Ratio (LMR)

engagement

Value: $7,347

Peer Median: -

#576 of 2556 Top 22.5% in <100M tier

588

Total Deposits

balance_sheet

Value: $42.63M

Peer Median: -

#588 of 2556 Top 23.0% in <100M tier

Top Weaknesses (2 metrics)

2409

Indirect Auto Concentration (%)

balance_sheet

Value: 19.16%

Peer Median: -

#2409 of 2556 Bottom 5.8% in <100M tier

2273

First Mortgage Concentration (%)

balance_sheet

Value: 43.74%

Peer Median: -

#2273 of 2556 Bottom 11.1% in <100M tier