BlastPoint's Credit Union Scorecard
AMERICAN EAGLE FINANCIAL
Charter #68659 · CT
AMERICAN EAGLE FINANCIAL has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 1.6% in tier
- + AMR Growth Rate: Top 0.7% in tier
- + Loan Growth Rate: Top 5.0% in tier
- + Total Deposits: Top 6.3% in tier
- + Total Members: Top 6.3% in tier
- + Total Assets: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 8.3% in tier
- - Stagnation Risk: Bottom 56.0% in tier
- - Indirect Auto Dependency: Bottom 65.1% in tier
- - Efficiency Drag: Bottom 98.9% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 6.11% above tier (higher cost structure)
- - Member decline: -12.1% YoY
- - Member Growth Rate: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
165,039
-12.1% YoY-3.1% QoQ
|
+67.6K |
97,431
-2.4% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Top 6.6% in tier |
| Assets |
$2.6B
+3.6% YoY+3.5% QoQ
|
+$922.2M |
$1.7B
+0.9% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Top 9.3% in tier |
| Loans |
$1.7B
+17.3% YoY+2.0% QoQ
|
+$513.9M |
$1.2B
+0.5% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$2.3B
+3.3% YoY+3.1% QoQ
|
+$871.1M |
$1.5B
+0.9% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Top 6.6% in tier |
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| ROA |
0.6%
+36.5% YoY-16.3% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.1%
+19.7% YoY-0.1% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
80.2%
-5.1% YoY+2.9% QoQ
|
+6.1% |
74.1%
-9.5% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.7%
-4.7% YoY+10.7% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
75.0%
+13.6% YoY-1.0% QoQ
|
-9.8% |
84.8%
-0.8% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$24,714
+23.9% YoY+6.0% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
33.3%
+4.8% YoY+1.0% QoQ
|
+4.2% | 29.0% | 14.6% | 19.8% | 70% |
| Indirect Auto % |
22.7%
+15.7% YoY+2.0% QoQ
|
+4.4% | 18.3% | 4.6% | 7.8% | 65% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)