BlastPoint's Credit Union Scorecard

AURGROUP

Charter #96761 · OH

1077 CUs in 100M-500M nationally 58 in OH

AURGROUP has 5 strengths but faces 9 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 38.6% in tier
+ Wallet Share Momentum: Top 89.8% in tier
+ ROA 0.29% above tier average
+ Net Interest Margin 0.03% above tier average
+ Fee Income Per Member: Top 4.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 1.4% in tier
- Institutional Decline: Bottom 2.3% in tier
- Membership Headwinds: Bottom 4.4% in tier
- Indirect Auto Dependency: Bottom 16.9% in tier
- Credit Quality Pressure: Bottom 24.5% in tier
- Efficiency ratio 1.27% above tier (higher cost structure)
- Member decline: -6.6% YoY
- Loan Growth Rate: Bottom 3.3% in tier
- Member Growth Rate: Bottom 6.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	13,192 -6.6% YoY-0.7% QoQ	-2.4K	15,628 -3.4% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	48%
Assets	$198.8M +1.4% YoY+0.4% QoQ	$-32.5M	$231.3M -0.0% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	50%
Loans	$114.8M -10.3% YoY-1.0% QoQ	$-33.0M	$147.8M -1.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	44%
Deposits	$183.9M +5.0% YoY-0.6% QoQ	$-16.4M	$200.3M -0.0% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	54%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% +139.9% YoY-21.5% QoQ	+0.3%	0.8% +15.5% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	71%
NIM	3.6% +11.0% YoY+2.1% QoQ	+0.0%	3.6% +6.9% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	53%
Efficiency Ratio	78.5% -13.0% YoY+5.1% QoQ	+1.3%	77.3% -3.0% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	55%
Delinquency Rate	0.2% +31.4% YoY-22.5% QoQ	-0.7	0.9% +7.6% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	Bottom 10.7% in tier
Loan To Share	62.4% -14.6% YoY-0.4% QoQ	-10.3%	72.7% -1.5% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	26%
AMR	$22,642 +5.5% YoY-0.1% QoQ	$-2K	$24,363 +2.9% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	51%
CD Concentration	12.1% +17.4% YoY+7.9% QoQ	-12.3%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	28.7% -21.3% YoY-6.0% QoQ	+14.7%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#132 of 340 • Top 38.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#432 of 481 • Top 89.8% in tier

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

Why This Signature

AMR Growth (YoY): 5.48%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#24 of 550 • Bottom 1.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -10.32%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#19 of 256 • Bottom 2.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $198.77M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -6.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -10.32%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline

#74 of 550 • Bottom 4.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#272 of 525 • Bottom 16.9% in tier

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

Why This Signature

Asset Growth (YoY): 1.39%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 28.67%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -6.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#608 of 736 • Bottom 24.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $310.08

Peer Avg: -

#50 of 1077 Top 4.5% in 100M-500M tier

116

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Avg: -

#116 of 1077 Top 10.7% in 100M-500M tier

162

Share Certificate Concentration (%)

balance_sheet

Value: 12.07%

Peer Avg: -

#162 of 1077 Top 14.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1042

Loan Growth Rate

growth

Value: -10.32%

Peer Avg: -

#1042 of 1077 Bottom 3.3% in 100M-500M tier

1010

Member Growth Rate

growth

Value: -6.57%

Peer Avg: -

#1010 of 1077 Bottom 6.3% in 100M-500M tier

949

Net Worth Ratio

risk

Value: 8.92%

Peer Avg: -

#949 of 1077 Bottom 12.0% in 100M-500M tier

883

Indirect Auto Concentration (%)

balance_sheet

Value: 28.67%

Peer Avg: -

#883 of 1077 Bottom 18.1% in 100M-500M tier