BlastPoint's Credit Union Scorecard

CORPORATE AMERICA FAMILY

Charter #68215 · IL

Community 750M-1B

Alero at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Alero is one of 101 credit unions in the 2026 VentureTech card set. We also found Alero's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Alero

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ALERO
PEER · AT VENTURETECH
PEER · AT VENTURETECH
ALERO'S BIGGEST OPPORTUNITY

111 CUs in 750M-1B nationally 3 in IL

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CORPORATE AMERICA FAMILY has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 2.5% in tier
+ AMR Growth Rate: Top 1.8% in tier
+ Loan Growth Rate: Top 2.7% in tier
+ Deposit Growth Rate: Top 3.6% in tier
+ Asset Growth Rate: Top 4.5% in tier
+ Share Certificate Concentration (%): Top 8.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.0% in tier
- Efficiency Drag: Bottom 11.6% in tier
- Credit Quality Pressure: Bottom 39.9% in tier
- ROA 0.50% below tier average
- Efficiency ratio 14.69% above tier (higher cost structure)

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	65,426 +2.0% YoY+0.7% QoQ	+12.9K	52,482 +1.3% YoY	23,254 +11.8% YoY	34,678 +6.6% YoY	83%
Assets	$953.5M +14.0% YoY-1.6% QoQ	+$89.6M	$863.9M +0.5% YoY	$427.8M +15.2% YoY	$593.1M +10.2% YoY	Top 12.6% in tier
Loans	$733.6M +19.0% YoY-0.8% QoQ	+$125.8M	$607.8M +2.1% YoY	$298.4M +15.0% YoY	$418.6M +10.1% YoY	Top 10.8% in tier
Deposits	$822.6M +20.1% YoY+0.1% QoQ	+$82.7M	$739.9M +0.2% YoY	$358.8M +15.8% YoY	$504.8M +10.3% YoY	85%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -199.4% YoY-24.4% QoQ	-0.5%	0.8% +30.4% YoY	1.1% +953.5% YoY	1.2% +121.4% YoY	20%
NIM	3.5% +2.9% YoY+8.8% QoQ	+0.0%	3.5% +6.2% YoY	3.7% +1.5% YoY	3.8% +2.3% YoY	50%
Efficiency Ratio	89.2% -10.9% YoY+5.9% QoQ	+14.7%	74.5% -1.4% YoY	84.5% -59.6% YoY	83.0% -5.3% YoY	Bottom 5.4% in tier
Delinquency Rate	0.8% +12.3% YoY-16.1% QoQ	+0.0	0.8% +1.0% YoY	1.3% -18.5% YoY	1.3% +2.6% YoY	67%
Loan To Share	89.2% -0.9% YoY-1.0% QoQ	+6.6%	82.6% +1.9% YoY	60.1% -3.0% YoY	66.4% -1.4% YoY	63%
AMR	$23,787 +17.2% YoY-1.0% QoQ	$-5K	$28,702 +0.4% YoY	$15,331 +1.7% YoY	$20,028 -0.9% YoY	35%
CD Concentration	15.0% -2.7% YoY-2.6% QoQ	-9.6%	24.6%	14.0%	20.0%	18%
Indirect Auto %	4.3% -52.1% YoY-14.0% QoQ	-9.3%	13.6%	6.8%	7.7%	44%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#32 of 483 • Top 2.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 17.24%

(Tier: 3.97%, National: 35.20%)

better than tier avg

635 nationally

↑ Growing +52 CUs YoY | Rank improving

Organic Growth Leader

growth

#209 of 342 • Top 29.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.01%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 4.30%

(Tier: 13.63%, National: 7.71%)

better than tier avg

485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#304 of 344 • Top 29.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.01%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.35%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 4.30%

(Tier: 13.63%, National: 7.71%)

better than tier avg

490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#136 of 472 • Bottom 4.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 18.99%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

688 nationally

↑ Growing +32 CUs YoY | Rank improving

Efficiency Drag

risk

#259 of 531 • Bottom 11.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.23%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.70% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 2.01%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#514 of 693 • Bottom 39.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 111 peers in tier

Top Strengths (9 metrics)

AMR Growth Rate

growth

Value: 17.24%

Peer Median: 4.04%

#3 of 111 Top 1.8% in 750M-1B tier

Loan Growth Rate

growth

Value: 18.99%

Peer Median: 3.68%

#4 of 111 Top 2.7% in 750M-1B tier

Deposit Growth Rate

growth

Value: 20.13%

Peer Median: 4.45%

#5 of 111 Top 3.6% in 750M-1B tier

Asset Growth Rate

growth

Value: 14.04%

Peer Median: 4.77%

#6 of 111 Top 4.5% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 14.98%

Peer Median: 27.05%

#10 of 111 Top 8.1% in 750M-1B tier

Total Loans

balance_sheet

Value: $733.63M

Peer Median: $626.83M

#12 of 111 Top 9.9% in 750M-1B tier

Total Assets

balance_sheet

Value: $953.52M

Peer Median: $860.94M

#14 of 111 Top 11.7% in 750M-1B tier

Total Deposits

balance_sheet

Value: $822.63M

Peer Median: $737.84M

#17 of 111 Top 14.4% in 750M-1B tier

Total Members

engagement

Value: 65,426

Peer Median: 52,842

#19 of 111 Top 16.2% in 750M-1B tier

Top Weaknesses (2 metrics)

106

Efficiency Ratio

profitability

Value: 89.23%

Peer Median: 75.82%

#106 of 111 Bottom 5.4% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 0.35%

Peer Median: 0.81%

#89 of 111 Bottom 20.7% in 750M-1B tier