GRAND ALTITUDE
Charter #16009 | WY
GRAND ALTITUDE has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.0% in tier
- + Emerging Performer: Top 2.7% in tier
- + Organic Growth Leader: Top 10.8% in tier
- + Relationship Depth Leader: Top 15.7% in tier
- + Wallet Share Momentum: Top 22.2% 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
- - Growth-at-Risk: Bottom 9.0% in tier
- - Credit Quality Pressure: Bottom 14.7% in tier
- - Margin Compression: Bottom 22.4% in tier
- - Liquidity Overhang: Bottom 27.4% 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
|
46th in tier |
| 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
|
55th in tier |
| 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
|
63rd in tier |
| 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
|
54th in tier |
| 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
|
Top 16.2% in tier |
| 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
|
62nd in tier |
| 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
|
Bottom 18.8% in tier |
| 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
|
66th in tier |
| 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
|
75th in tier |
| 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
|
71st in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Concerns (4)
Growth-at-Risk
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
declineStrong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)