BlastPoint's Credit Union Scorecard
AEGIS
Charter #65521 · IA
AEGIS has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.55% above tier average
- + Net Interest Margin 1.66% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.30% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,685
+2.3% YoY-0.0% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$26.2M
+0.5% YoY-0.6% QoQ
|
$-3.9M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$17.5M
+4.4% YoY-1.3% QoQ
|
+$1.8M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$21.6M
+0.4% YoY-1.1% QoQ
|
$-4.1M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
2.2%
+8.5% YoY-0.3% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
Top 5.2% in tier |
| NIM |
5.6%
+5.3% YoY-0.5% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
Top 6.2% in tier |
| Efficiency Ratio |
64.0%
-5.8% YoY-3.1% QoQ
|
-18.6% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
1.9%
+18.2% YoY+64.4% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
81.1%
+4.1% YoY-0.2% QoQ
|
+20.5% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$10,632
-0.2% YoY-1.1% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
22.1%
+17.7% YoY+0.8% QoQ
|
-2.3% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)