ALASKA AIR GROUP

Charter #8100 | WA

100M-500M (1077 CUs) Micro
18 100M-500M in WA

ALASKA AIR GROUP has 15 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.2% in tier
  • + Emerging Performer: Top 0.3% in tier
  • + Organic Growth Leader: Top 2.7% in tier
  • + Wallet Share Momentum: Top 32.9% in tier
  • + Relationship Depth Leader: Top 35.6% in tier
  • + ROA 0.89% above tier average
  • + Net Interest Margin 0.22% above tier average
  • + Strong member growth: 8.7% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 3.7% in tier
  • + Member Growth Rate: Top 4.3% in tier
  • + Deposit Growth Rate: Top 4.6% in tier
  • + Asset Growth Rate: Top 4.7% in tier
  • + Members Per Employee (MPE): Top 5.4% in tier
  • + Efficiency Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 10.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 8,579
+8.7% YoY+2.9% QoQ
 -7.0K 15,628
-3.4% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 Bottom 19.8% in tier
Assets $125.5M
+13.1% YoY+1.7% QoQ
 $-105.8M $231.3M
-0.0% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 Bottom 17.3% in tier
Loans $71.7M
+5.4% YoY+4.0% QoQ
 $-76.1M $147.8M
-1.4% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 Bottom 16.4% in tier
Deposits $106.2M
+14.0% YoY+1.7% QoQ
 $-94.1M $200.3M
-0.0% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 15.2% in tier
ROA 1.7%
+5.1% YoY-5.3% QoQ
 +0.9% 0.8%
+15.5% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 Top 7.4% in tier
NIM 3.8%
-3.5% YoY-1.0% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 63rd in tier
Efficiency Ratio 59.4%
-1.1% YoY+1.8% QoQ
 -17.9% 77.3%
-3.0% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 Bottom 7.9% in tier
Delinquency Rate 0.1%
-31.1% YoY-48.1% QoQ
 -0.8 0.9%
+7.6% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 Bottom 3.7% in tier
Loan To Share 67.5%
-7.5% YoY+2.2% QoQ
 -5.2% 72.7%
-1.5% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 35th in tier
AMR $20,729
+1.5% YoY-0.3% QoQ
 $-4K $24,363
+2.9% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 40th in tier
CD Concentration 25.4%
+20.4% YoY+5.9% QoQ
 +1.0% 24.4%
+4.2% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Organic Growth Engine

growth
#4 of 603 • Top 0.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.66%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.68%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Emerging Performer

growth
#6 of 627 • Top 0.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.68%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 8.66%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Leader

growth
#37 of 430 • Top 2.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.66%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Wallet Share Momentum

growth
#908 of 1006 • Top 32.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.54%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#981 of 1006 • Top 35.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.54%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (1)

Liquidity Overhang

risk
#160 of 552 • Bottom 10.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.85%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 67.52%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

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)

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
41
Total Delinquency Rate (60+ days)
risk
Value: 0.09%
Peer Avg: 0.86%
#41 of 1077 Top 3.7% in 100M-500M tier
47
Member Growth Rate
growth
Value: 8.66%
Peer Avg: 0.72%
#47 of 1077 Top 4.3% in 100M-500M tier
51
Deposit Growth Rate
growth
Value: 13.96%
Peer Avg: 4.69%
#51 of 1077 Top 4.6% in 100M-500M tier
52
Asset Growth Rate
growth
Value: 13.10%
Peer Avg: 4.70%
#52 of 1077 Top 4.7% in 100M-500M tier
59
Members Per Employee (MPE)
engagement
Value: 504.647
Peer Avg: 332.881
#59 of 1077 Top 5.4% in 100M-500M tier
80
Return on Assets (ROA)
profitability
Value: 1.68%
Peer Avg: 0.79%
#80 of 1077 Top 7.3% in 100M-500M tier
86
Efficiency Ratio
profitability
Value: 59.39%
Peer Avg: 77.28%
#86 of 1077 Top 7.9% in 100M-500M tier
172
Net Worth Ratio
risk
Value: 14.85%
Peer Avg: 12.15%
#172 of 1077 Top 15.9% in 100M-500M tier
225
Net Charge-Off Rate
risk
Value: 0.14%
Peer Avg: 0.47%
#225 of 1077 Top 20.8% in 100M-500M tier

Top Weaknesses (5 metrics)

920
Fee Income Per Member
profitability
Value: $99.70
Peer Avg: $174.31
#920 of 1077 Bottom 14.7% in 100M-500M tier
913
Total Deposits
balance_sheet
Value: $106.15M
Peer Avg: $200.29M
#913 of 1077 Bottom 15.3% in 100M-500M tier
900
Total Loans
balance_sheet
Value: $71.68M
Peer Avg: $147.80M
#900 of 1077 Bottom 16.5% in 100M-500M tier
891
Total Assets
balance_sheet
Value: $125.52M
Peer Avg: $231.30M
#891 of 1077 Bottom 17.4% in 100M-500M tier
864
Total Members
engagement
Value: 8,579
Peer Avg: 15,628
#864 of 1077 Bottom 19.9% in 100M-500M tier