BlastPoint's Credit Union Scorecard

GRAND ALTITUDE

Charter #16009 · WY

1069 CUs in 100M-500M nationally 7 in WY

GRAND ALTITUDE has 6 strengths but faces 2 concerns

National Analysis

How does the industry compare?

WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 11.5% in tier
+ Emerging Performer: Top 35.9% in tier
+ Organic Growth Leader: Top 40.9% in tier
+ ROA 0.54% above tier average
+ Net Interest Margin 0.24% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 23.3% in tier
- Credit Quality Pressure: Bottom 36.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Members	12,835 +3.1% YoY+0.0% QoQ	-2.6K	15,437 -2.9% YoY	21,806 +1.7% YoY	33,374 +5.7% YoY	47%
Assets	$215.4M +5.4% YoY+0.9% QoQ	$-16.5M	$231.9M +1.3% YoY	$331.9M +4.5% YoY	$561.6M +9.7% YoY	55%
Loans	$157.6M +8.2% YoY+0.8% QoQ	+$10.2M	$147.3M -0.1% YoY	$248.7M +3.3% YoY	$397.0M +8.8% YoY	63%
Deposits	$185.2M +4.6% YoY+0.7% QoQ	$-15.6M	$200.8M +0.8% YoY	$284.9M +3.7% YoY	$477.3M +9.7% YoY	55%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% -6.7% YoY-3.6% QoQ	+0.5%	0.8% +18.2% YoY	1.1% +10.8% YoY	0.7% +15.9% YoY	84%
NIM	3.8% +6.9% YoY+1.3% QoQ	+0.2%	3.6% +6.7% YoY	3.9% +0.6% YoY	3.8% +5.1% YoY	64%
Efficiency Ratio	65.8% -1.7% YoY-1.9% QoQ	-11.2%	77.0% -3.1% YoY	70.1% -0.5% YoY	79.7% -3.3% YoY	16%
Delinquency Rate	0.8% +57.3% YoY-11.9% QoQ	-0.1	0.9% +4.2% YoY	1.7% +3.5% YoY	1.3% -2.1% YoY	56%
Loan To Share	85.1% +3.5% YoY+0.1% QoQ	+12.9%	72.2% -1.1% YoY	78.9% -1.3% YoY	67.4% -1.7% YoY	75%
AMR	$26,706 +3.1% YoY+0.7% QoQ	+$2K	$24,676 +3.4% YoY	$23,219 +4.0% YoY	$19,687 +2.0% YoY	71%
CD Concentration	29.0% -1.2% YoY-0.5% QoQ	+4.5%	24.4%	26.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	19.3%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#69 of 595 • Top 11.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.30%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#66 of 182 • Top 35.9% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.30%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#175 of 426 • Top 40.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.08%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#107 of 456 • Bottom 23.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.24%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.29% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#255 of 705 • Bottom 36.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.29% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

168

Return on Assets (ROA)

profitability

Value: 1.30%

Peer Median: -

#168 of 1069 Top 15.6% in 100M-500M tier

175

Efficiency Ratio

profitability

Value: 65.85%

Peer Median: -

#175 of 1069 Top 16.3% in 100M-500M tier

206

Member Growth Rate

growth

Value: 3.08%

Peer Median: -

#206 of 1069 Top 19.2% in 100M-500M tier

241

Loan-to-Member Ratio (LMR)

engagement

Value: $12,277

Peer Median: -

#241 of 1069 Top 22.5% in 100M-500M tier

251

Loan Growth Rate

growth

Value: 8.24%

Peer Median: -

#251 of 1069 Top 23.4% in 100M-500M tier

266

Net Worth Ratio

risk

Value: 13.64%

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

268

Fee Income Per Member

profitability

Value: $216.39

Peer Median: -

#268 of 1069 Top 25.0% in 100M-500M tier

268

Loan-to-Share Ratio

balance_sheet

Value: 85.08%

Peer Median: -

#268 of 1069 Top 25.0% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available