BlastPoint's Credit Union Scorecard
GRAND ALTITUDE
Charter #16009 · WY
GRAND ALTITUDE has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.0% in tier
- + Organic Growth Leader: Top 10.8% in tier
- + Emerging Performer: Top 26.3% in tier
- + Profitability Leader: Top 60.8% in tier
- + ROA 0.56% above tier average
- + Net Interest Margin 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.0% in tier
- - Credit Quality Pressure: Bottom 14.7% in tier
- - Margin Compression: Bottom 22.4% in tier
- - Delinquency rate 0.05% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,832
+3.4% YoY+1.0% QoQ
|
-2.8K |
15,628
-3.4% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$213.5M
+6.4% YoY-0.0% QoQ
|
$-17.8M |
$231.3M
-0.0% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$156.3M
+9.0% YoY+2.0% QoQ
|
+$8.5M |
$147.8M
-1.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$183.9M
+5.7% YoY-0.4% QoQ
|
$-16.4M |
$200.3M
-0.0% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
54% |
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| ROA |
1.3%
-7.3% YoY-6.3% QoQ
|
+0.6% |
0.8%
+15.5% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
3.8%
+5.1% YoY+2.0% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
67.1%
-0.3% YoY+0.3% QoQ
|
-10.2% |
77.3%
-3.0% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.9%
+27.5% YoY+37.6% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
85.0%
+3.1% YoY+2.4% QoQ
|
+12.3% |
72.7%
-1.5% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$26,510
+3.7% YoY-0.3% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
29.1%
+4.4% YoY-1.1% QoQ
|
+4.7% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)