BlastPoint's Credit Union Scorecard

AMERICAN EAGLE FINANCIAL

Charter #68659 · CT

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

AMERICAN EAGLE FINANCIAL has 4 strengths but faces 5 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 29.5% in tier
+ Total Deposits: Top 2.3% in tier
+ Total Assets: Top 4.6% in tier
+ Total Members: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 14.2% in tier
- Credit Quality Pressure: Bottom 41.1% in tier
- Indirect Auto Dependency: Bottom 47.1% in tier
- ROA 0.16% below tier average
- Efficiency ratio 2.00% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	167,531 +2.6% YoY+1.5% QoQ	+71.5K	96,048 -2.7% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	Top 5.9% in tier
Assets	$2.8B +5.2% YoY+4.1% QoQ	+$1.0B	$1.7B +0.4% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	Top 4.9% in tier
Loans	$1.8B +12.3% YoY+0.3% QoQ	+$540.6M	$1.2B +0.2% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	83%
Deposits	$2.4B +5.3% YoY+5.0% QoQ	+$981.1M	$1.5B +0.5% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	Top 2.6% 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	0.6% -15.5% YoY-2.3% QoQ	-0.2%	0.7% +27.6% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	39%
NIM	3.0% +3.2% YoY-4.1% QoQ	-0.4%	3.4% +6.2% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	76.6% -2.8% YoY-4.4% QoQ	+2.0%	74.6% -3.0% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.7% +10.1% YoY+4.5% QoQ	-0.1	0.8% +6.9% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	56%
Loan To Share	71.7% +6.6% YoY-4.4% QoQ	-11.5%	83.2% -0.4% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	18%
AMR	$25,076 +5.4% YoY+1.5% QoQ	$-5K	$29,652 +2.3% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	31%
CD Concentration	33.4% +7.9% YoY+0.5% QoQ	+4.6%	28.8%	14.5%	19.8%	71%
Indirect Auto %	23.6% +22.9% YoY+4.0% QoQ	+5.5%	18.1%	4.5%	7.7%	67%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#112 of 125 • Top 29.5% in tier

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

Why This Signature

AMR Growth (YoY): 5.38%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#72 of 183 • Bottom 14.2% in tier

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

Why This Signature

Loan Growth (YoY): 12.29%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#123 of 198 • Bottom 47.1% in tier

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

Why This Signature

Asset Growth (YoY): 5.25%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 23.61%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.59%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#156 of 225 • Bottom 41.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 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 306 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $2.45B

Peer Median: $1.31B

#8 of 306 Top 2.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.76B

Peer Median: $1.51B

#15 of 306 Top 4.6% in 1B-3B tier

Total Members

engagement

Value: 167,531

Peer Median: 85,918

#18 of 306 Top 5.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 12.29%

Peer Median: 5.67%

#41 of 306 Top 13.1% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 443.204

Peer Median: 345.077

#47 of 306 Top 15.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.75B

Peer Median: $1.11B

#51 of 306 Top 16.3% in 1B-3B tier

Top Weaknesses (5 metrics)

260

First Mortgage Concentration (%)

balance_sheet

Value: 49.25%

Peer Median: 33.05%

#260 of 306 Bottom 15.4% in 1B-3B tier

255

Fee Income Per Member

profitability

Value: $138.09

Peer Median: $191.54

#255 of 306 Bottom 17.0% in 1B-3B tier

251

Loan-to-Share Ratio

balance_sheet

Value: 71.70%

Peer Median: 85.31%

#251 of 306 Bottom 18.3% in 1B-3B tier

243

Net Interest Margin (NIM)

profitability

Value: 2.96%

Peer Median: 3.37%

#243 of 306 Bottom 20.9% in 1B-3B tier

243

Loan-to-Member Ratio (LMR)

engagement

Value: $10,472

Peer Median: $12,733

#243 of 306 Bottom 20.9% in 1B-3B tier