BlastPoint's Credit Union Scorecard
ALTRA
Charter #24077 · WI
ALTRA has 7 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 46.2% in tier
- + Organic Growth Leader: Top 46.2% in tier
- + Relationship Depth Leader: Top 48.1% in tier
- + ROA 0.74% above tier average
- + Net Interest Margin 0.52% above tier average
- + Loan-to-Share Ratio: Top 5.2% in tier
- + Share Certificate Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.7% in tier
- - Total Deposits: Bottom 7.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 5 that size in Wisconsin.
- Shares and deposits +3.9% year over year ($2.58B in shares and deposits).
- Membership: 160,726 members, +2.3% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 1.67%.
- Efficiency ratio 59.82% vs a 69.45% peer average.
- Loan-to-share ratio 109.84% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
160,726
+2.3% YoY+1.1% QoQ
|
-55.8K |
216,545
-9.5% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$3.1B
+4.5% YoY+1.5% QoQ
|
$-760.6M |
$3.9B
-1.6% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.4% in tier |
| Loans |
$2.8B
+7.6% YoY+3.1% QoQ
|
$-101.3M |
$2.9B
-1.2% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$2.6B
+3.9% YoY+0.4% QoQ
|
$-681.0M |
$3.3B
-2.6% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.5% in tier |
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| ROA |
1.7%
+16.0% YoY+1.7% QoQ
|
+0.7% |
0.9%
+25.3% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
Top 3.9% in tier |
| NIM |
3.7%
+8.1% YoY+0.4% QoQ
|
+0.5% |
3.2%
+3.8% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
59.8%
+1.8% YoY-3.2% QoQ
|
-9.6% |
69.5%
-2.3% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
0.5%
-27.3% YoY+3.0% QoQ
|
-0.4 |
0.8%
+5.5% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
109.8%
+3.6% YoY+2.7% QoQ
|
+19.6% |
90.2%
+0.9% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 6.5% in tier |
| AMR |
$33,636
+3.4% YoY+0.6% QoQ
|
+$3K |
$31,018
+6.9% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
19.9%
-8.5% YoY-2.7% QoQ
|
-9.2% | 29.1% | 21.6% | 20.0% | Bottom 12.8% in tier |
| Indirect Auto % |
12.0%
+2.5% YoY+5.3% QoQ
|
-6.1% | 18.1% | 8.4% | 7.7% | 42% |
Signature Analysis
Strengths (3)
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 (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)