BlastPoint's Credit Union Scorecard

AMERICAN EAGLE FINANCIAL

Charter #68659 · CT

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 5 in CT

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AMERICAN EAGLE FINANCIAL has 6 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 6.1% in tier
+ AMR Growth Rate: Top 1.6% in tier
+ Loan Growth Rate: Top 6.2% in tier
+ Total Members: Top 6.2% in tier
+ Members Per Employee (MPE): Top 8.6% in tier
+ Total Deposits: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 4.2% in tier
- Stagnation Risk: Bottom 6.7% in tier
- Credit Risk Growth: Bottom 16.2% in tier
- Indirect Auto Dependency: Bottom 26.0% in tier
- Credit Quality Pressure: Bottom 27.7% in tier
- ROA 0.03% below tier average
- Efficiency ratio 3.91% above tier (higher cost structure)
- Member decline: -9.3% YoY
- Member Growth Rate: Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	170,351 -9.3% YoY+2.2% QoQ	+71.7K	98,678 -1.9% YoY	13,754 +3.9% YoY	33,089 +6.1% YoY	Top 6.6% in tier
Assets	$2.6B +0.3% YoY-1.8% QoQ	+$836.8M	$1.7B +0.5% YoY	$223.0M +8.2% YoY	$547.7M +7.8% YoY	Top 12.5% in tier
Loans	$1.7B +15.3% YoY+4.4% QoQ	+$480.2M	$1.2B +0.5% YoY	$129.0M +9.8% YoY	$388.7M +8.6% YoY	81%
Deposits	$2.3B -0.2% YoY-1.9% QoQ	+$805.7M	$1.5B +1.3% YoY	$195.5M +7.9% YoY	$464.6M +9.3% YoY	Top 9.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +87.9% YoY-2.4% QoQ	-0.0%	0.7% +13.4% YoY	0.4% -140.5% YoY	0.7% +273.4% YoY	52%
NIM	3.1% +26.2% YoY+3.8% QoQ	-0.2%	3.3% +9.3% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	34%
Efficiency Ratio	77.9% -9.9% YoY-0.2% QoQ	+3.9%	74.0% -10.9% YoY	85.8% +0.7% YoY	79.1% -3.3% YoY	64%
Delinquency Rate	0.6% +0.4% YoY+4.2% QoQ	-0.2	0.8% +6.1% YoY	1.2% +0.2% YoY	1.2% -0.9% YoY	41%
Loan To Share	75.8% +15.6% YoY+6.4% QoQ	-9.4%	85.2% -0.8% YoY	56.5% +1.7% YoY	68.0% -1.7% YoY	23%
AMR	$23,324 +16.9% YoY-1.4% QoQ	$-6K	$29,172 +2.8% YoY	$16,763 +4.9% YoY	$19,418 +1.3% YoY	23%
CD Concentration	32.9% -1.1% YoY+2.6% QoQ	+3.9%	29.0% +0.7% YoY	14.4% +16.9% YoY	19.6% +6.2% YoY	70%
Indirect Auto %	22.3% +5.6% YoY+7.4% QoQ	+3.5%	18.8% -3.0% YoY	5.3% -6.5% YoY	7.9% -2.9% YoY	63%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#8 of 116 • Top 6.1% in tier

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

Why This Signature

AMR Growth (YoY): 16.86%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#11 of 85 • Bottom 4.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -9.33%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk

#17 of 85 • Bottom 6.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.33%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 15.32%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.59%

(Tier: 0.83%, National: 1.23%)

but better than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Credit Risk Growth

risk

#91 of 161 • Bottom 16.2% in tier

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

Why This Signature

Loan Growth (YoY): 15.32%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#161 of 202 • Bottom 26.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.26%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 22.27%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -9.33%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY

Credit Quality Pressure

risk

#213 of 217 • Bottom 27.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (8 metrics)

AMR Growth Rate

growth

Value: 16.86%

Peer Avg: -

#6 of 304 Top 1.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 15.32%

Peer Avg: -

#20 of 304 Top 6.2% in 1B-3B tier

Total Members

engagement

Value: 170,351

Peer Avg: -

#20 of 304 Top 6.2% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 469.287

Peer Avg: -

#27 of 304 Top 8.6% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.26B

Peer Avg: -

#29 of 304 Top 9.2% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.56B

Peer Avg: -

#38 of 304 Top 12.2% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.21%

Peer Avg: -

#47 of 304 Top 15.1% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.71B

Peer Avg: -

#57 of 304 Top 18.4% in 1B-3B tier

Top Weaknesses (8 metrics)

292

Member Growth Rate

growth

Value: -9.33%

Peer Avg: -

#292 of 304 Bottom 4.3% in 1B-3B tier

273

Fee Income Per Member

profitability

Value: $127.61

Peer Avg: -

#273 of 304 Bottom 10.5% in 1B-3B tier

265

First Mortgage Concentration (%)

balance_sheet

Value: 50.21%

Peer Avg: -

#265 of 304 Bottom 13.2% in 1B-3B tier

261

Deposit Growth Rate

growth

Value: -0.20%

Peer Avg: -

#261 of 304 Bottom 14.5% in 1B-3B tier

251

Loan-to-Member Ratio (LMR)

engagement

Value: $10,057

Peer Avg: -

#251 of 304 Bottom 17.8% in 1B-3B tier

242

Asset Growth Rate

growth

Value: 0.26%

Peer Avg: -

#242 of 304 Bottom 20.7% in 1B-3B tier

235

Loan-to-Share Ratio

balance_sheet

Value: 75.81%

Peer Avg: -

#235 of 304 Bottom 23.0% in 1B-3B tier

235

Average Member Relationship (AMR)

engagement

Value: $23,324

Peer Avg: -

#235 of 304 Bottom 23.0% in 1B-3B tier