BlastPoint's Credit Union Scorecard
ALASKA AIR GROUP
Charter #8100 · WA
ALASKA AIR GROUP has 12 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.2% in tier
- + Emerging Performer: Top 2.8% in tier
- + Organic Growth Leader: Top 6.1% in tier
- + ROA 0.81% above tier average
- + Net Interest Margin 0.13% above tier average
- + Strong member growth: 10.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.1% in tier
- + Members Per Employee (MPE): Top 5.1% in tier
- + Deposit Growth Rate: Top 5.2% in tier
- + Asset Growth Rate: Top 6.5% in tier
- + Efficiency Ratio: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 66.2% in tier
- - Credit Quality Pressure: Bottom 73.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,766
+10.7% YoY+2.2% QoQ
|
-6.7K |
15,437
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$129.8M
+12.6% YoY+3.4% QoQ
|
$-102.0M |
$231.9M
+1.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$72.3M
+6.5% YoY+0.9% QoQ
|
$-75.0M |
$147.3M
-0.1% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$110.1M
+13.4% YoY+3.8% QoQ
|
$-90.7M |
$200.8M
+0.8% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
1.6%
+1.0% YoY-6.4% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Top 9.3% in tier |
| NIM |
3.7%
-3.9% YoY-1.8% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
60.8%
+0.3% YoY+2.4% QoQ
|
-16.2% |
77.0%
-3.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate |
0.5%
+25.8% YoY+466.1% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
65.7%
-6.1% YoY-2.7% QoQ
|
-6.6% |
72.2%
-1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$20,816
-0.1% YoY+0.4% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
26.7%
+22.0% YoY+5.4% QoQ
|
+2.3% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)