BlastPoint's Credit Union Scorecard

AEGIS

Charter #65521 · IA

<100M

2508 CUs in <100M nationally 37 in IA

AEGIS has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.63% above tier average
+ Net Interest Margin 1.47% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.60% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	3,722 +3.0% YoY+1.0% QoQ	+1.0K	2,676 +1.6% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	76%
Assets	$27.2M +2.7% YoY+3.7% QoQ	$-3.0M	$30.2M +1.3% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	56%
Loans	$18.9M +9.7% YoY+7.6% QoQ	+$3.6M	$15.3M -2.0% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	69%
Deposits	$22.5M +0.6% YoY+4.1% QoQ	$-3.3M	$25.8M +0.7% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	56%

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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	1.8% -13.5% YoY-18.0% QoQ	+1.6%	0.1% -77.6% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	Top 9.4% in tier
NIM	5.5% -0.8% YoY-2.3% QoQ	+1.5%	4.0% +4.0% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	Top 6.5% in tier
Efficiency Ratio	70.5% +0.9% YoY+10.1% QoQ	-20.2%	90.6% +6.5% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	2.1% +29.8% YoY+13.0% QoQ	+0.6	1.5% +3.8% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	82%
Loan To Share	83.8% +9.1% YoY+3.4% QoQ	+25.3%	58.5% -3.0% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	Top 14.3% in tier
AMR	$11,120 +1.5% YoY+4.6% QoQ	$-4K	$14,884 -1.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	34%
CD Concentration	20.2% +7.8% YoY-8.5% QoQ	-4.1%	24.3%	21.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	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 (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

163

Net Interest Margin (NIM)

profitability

Value: 5.48%

Peer Median: 3.83%

#163 of 2508 Top 6.5% in <100M tier

236

Return on Assets (ROA)

profitability

Value: 1.78%

Peer Median: 0.61%

#236 of 2508 Top 9.4% in <100M tier

265

Loan Growth Rate

growth

Value: 9.71%

Peer Median: -2.36%

#265 of 2508 Top 10.5% in <100M tier

298

Member Growth Rate

growth

Value: 3.02%

Peer Median: -1.37%

#298 of 2508 Top 11.8% in <100M tier

302

Members Per Employee (MPE)

engagement

Value: 531.714

Peer Median: 333.750

#302 of 2508 Top 12.0% in <100M tier

350

Net Charge-Off Rate

risk

Value: -0.04%

Peer Median: 0.07%

#350 of 2508 Top 13.9% in <100M tier

356

Loan-to-Share Ratio

balance_sheet

Value: 83.84%

Peer Median: 58.72%

#356 of 2508 Top 14.2% in <100M tier

509

Fee Income Per Member

profitability

Value: $122.30

Peer Median: $60.42

#509 of 2508 Top 20.3% in <100M tier

Top Weaknesses (1 metrics)

2061

Total Delinquency Rate (60+ days)

risk

Value: 2.10%

Peer Median: 0.65%

#2061 of 2508 Bottom 17.9% in <100M tier