BlastPoint's Credit Union Scorecard
AIR TECH
Charter #66546 · WI
AIR TECH has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 6.10% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Loan Growth Rate: Bottom 2.3% in tier
- - AMR Growth Rate: Bottom 3.2% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
- - Asset Growth Rate: Bottom 7.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.2% in tier
- - Deposit Growth Rate: Bottom 9.2% in tier
- - Total Deposits: Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
657
-4.1% YoY-0.8% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$2.2M
-7.9% YoY+3.8% QoQ
|
$-28.0M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.2% in tier |
| Loans |
$1.0M
-30.3% YoY-10.1% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.3% in tier |
| Deposits |
$1.6M
-8.7% YoY+5.0% QoQ
|
$-24.1M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.9% in tier |
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| ROA |
0.2%
+12.3% YoY-446.0% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
4.5%
+13.3% YoY+0.7% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
88.7%
-5.8% YoY-0.2% QoQ
|
+6.1% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.5%
+4679.0% YoY
|
-1.1 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
65.2%
-23.7% YoY-14.4% QoQ
|
+4.6% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$3,982
-15.2% YoY-0.8% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.9% in tier |
| CD Concentration |
5.3%
+15.3% YoY-8.6% QoQ
|
-19.1% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 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)