BlastPoint's Credit Union Scorecard
AIM
Charter #64886 · IA
AIM has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.3% in tier
- - Credit Risk Growth: Bottom 12.2% in tier
- - Deposit Outflow: Bottom 90.0% in tier
- - ROA 0.02% below tier average
- - Delinquency rate 0.21% above tier average
- - Fee Income Per Member: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,296
+0.5% YoY+0.0% QoQ
|
-1.3K |
15,628
-3.4% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$186.3M
+0.2% YoY-1.7% QoQ
|
$-45.0M |
$231.3M
-0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$128.3M
+4.8% YoY+2.3% QoQ
|
$-19.5M |
$147.8M
-1.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$160.2M
-0.8% YoY-2.4% QoQ
|
$-40.0M |
$200.3M
-0.0% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
46% |
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| ROA |
0.8%
+4.2% YoY+46.3% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
3.5%
+9.2% YoY+3.4% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
73.5%
+3.0% YoY-2.9% QoQ
|
-3.8% |
77.3%
-3.0% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
1.1%
+46.1% YoY+92.4% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
80.0%
+5.6% YoY+4.8% QoQ
|
+7.3% |
72.7%
-1.5% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$20,181
+1.1% YoY-0.4% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
22.1%
-15.7% YoY-4.3% QoQ
|
-2.3% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.3%
-50.5% YoY-23.1% QoQ
|
-13.7% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)