BlastPoint's Credit Union Scorecard
AIR TECH
Charter #66546 · WI
AIR TECH has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.86% above tier (higher cost structure)
- - Member decline: -3.8% YoY
- - Loan Growth Rate: Bottom 2.3% in tier
- - AMR Growth Rate: Bottom 4.0% in tier
- - Average Member Relationship (AMR): Bottom 5.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
- - Total Deposits: Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
655
-3.8% YoY-0.3% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$2.2M
-2.6% YoY-1.1% QoQ
|
$-28.0M |
$30.2M
+1.3% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.0% in tier |
| Loans |
$932,456
-32.0% YoY-9.7% QoQ
|
$-14.3M |
$15.3M
-2.0% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.1% in tier |
| Deposits |
$1.6M
-4.0% YoY-1.4% QoQ
|
$-24.2M |
$25.8M
+0.7% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.7% in tier |
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| ROA |
0.2%
-23.1% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
4.3%
+15.1% YoY-3.1% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
92.5%
-12.4% YoY+4.3% QoQ
|
+1.9% |
90.6%
+6.5% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
1.1%
+135.3% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
59.7%
-29.2% YoY-8.4% QoQ
|
+1.2% |
58.5%
-3.0% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$3,807
-13.5% YoY-4.4% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.8% in tier |
| CD Concentration |
2.5%
-66.4% YoY-52.1% QoQ
|
-21.7% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 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)