BlastPoint's Credit Union Scorecard
AIR TECH
Charter #66546 · WI
AIR TECH has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.52% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Efficiency ratio 7.47% above tier (higher cost structure)
- - Member decline: -3.4% YoY
- - Deposit Growth Rate: Bottom 2.2% in tier
- - AMR Growth Rate: Bottom 3.2% in tier
- - Asset Growth Rate: Bottom 3.4% in tier
- - Loan Growth Rate: Bottom 5.1% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
- - Total Deposits: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
662
-3.4% YoY-0.6% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$2.1M
-12.3% YoY-3.7% QoQ
|
$-27.8M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.3% in tier |
| Loans |
$1.1M
-21.6% YoY-3.7% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.5% in tier |
| Deposits |
$1.5M
-16.6% YoY-5.3% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.1%
-148.0% YoY-38.4% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.6% in tier |
| NIM |
4.4%
+21.7% YoY+2.4% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
88.9%
-7.2% YoY+3.0% QoQ
|
+7.5% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
76.1%
-6.0% YoY+1.7% QoQ
|
+14.9% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$4,015
-16.0% YoY-4.0% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.4% in tier |
| CD Concentration |
5.8%
-26.3% YoY+5.8% QoQ
|
-18.6% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
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)