BlastPoint's Credit Union Scorecard
AIR TECH
Charter #66546 · WI
AIR TECH has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.31% below tier average
- - Efficiency ratio 4.82% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Average Member Relationship (AMR): Bottom 5.9% in tier
- - Loan Growth Rate: Bottom 7.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier
- - Fee Income Per Member: Bottom 9.0% in tier
- - Total Deposits: Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Wisconsin.
- Shares and deposits -2.8% year over year ($1.5M in shares and deposits).
- Membership: 650 members, -2.4% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.18%.
- Efficiency ratio 93.59% vs a 88.77% peer average.
- Loan-to-share ratio 62.29% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
650
-2.4% YoY-0.8% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$2.1M
-1.7% YoY-0.6% QoQ
|
$-28.1M |
$30.3M
+1.5% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.7% in tier |
| Loans |
$964,889
-19.1% YoY+3.5% QoQ
|
$-14.5M |
$15.5M
-1.7% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.2% in tier |
| Deposits |
$1.5M
-2.8% YoY-0.8% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.5% in tier |
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| ROA |
0.2%
-264.0% YoY-0.0% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.5% in tier |
| NIM |
4.4%
+0.8% YoY+0.8% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
93.6%
+8.5% YoY+1.2% QoQ
|
+4.8% |
88.8%
-6.9% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
62.3%
-16.8% YoY+4.3% QoQ
|
+3.4% |
58.9%
-3.1% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
55% |
| AMR |
$3,867
-7.6% YoY+1.6% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
2.7%
-50.5% YoY+6.8% QoQ
|
-21.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)