BlastPoint's Credit Union Scorecard
ALASKA AIR GROUP
Charter #8100 · WA
ALASKA AIR GROUP shows strong momentum with 15 strengths and 8.7% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.2% in tier
- + Emerging Performer: Top 2.6% in tier
- + Organic Growth Leader: Top 2.7% in tier
- + Credit Quality Leader: Top 12.7% in tier
- + Profitability Leader: Top 26.8% 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
No key concerns identified
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
|
20% |
| 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
|
17% |
| 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
|
16% |
| 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
|
15% |
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| 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
|
63% |
| 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
|
35% |
| 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
|
40% |
| CD Concentration |
25.4%
+20.4% YoY+5.9% QoQ
|
+0.9% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (0)
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)