BlastPoint's Credit Union Scorecard
ALTRA
Charter #24077 · WI
ALTRA has 8 strengths but faces 3 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 10.8% in tier
- + Profitability Leader: Top 24.5% in tier
- + Organic Growth Leader: Top 27.3% in tier
- + Relationship Depth Leader: Top 87.9% in tier
- + ROA 0.74% above tier average
- + Net Interest Margin 0.36% above tier average
- + Efficiency Ratio: Top 6.6% in tier
- + Loan-to-Share Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.0% in tier
- - Total Assets: Bottom 1.3% in tier
- - Total Deposits: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
157,770
+1.7% YoY+0.4% QoQ
|
-80.7K |
238,465
+0.6% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 9.2% in tier |
| Assets |
$3.0B
+2.5% YoY+0.1% QoQ
|
$-960.3M |
$4.0B
-0.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.0% in tier |
| Loans |
$2.7B
+3.0% YoY+1.0% QoQ
|
$-363.6M |
$3.0B
+3.3% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$2.5B
+4.9% YoY+1.2% QoQ
|
$-823.1M |
$3.3B
+1.1% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.6% in tier |
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| ROA |
1.5%
+69.5% YoY+3.1% QoQ
|
+0.7% |
0.7%
+5.3% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
Top 5.3% in tier |
| NIM |
3.6%
+20.6% YoY+2.6% QoQ
|
+0.4% |
3.2%
+13.7% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
66% |
| Efficiency Ratio |
58.1%
-5.9% YoY-1.2% QoQ
|
-13.2% |
71.3%
-0.6% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.6% in tier |
| Delinquency Rate |
0.6%
-8.3% YoY+0.9% QoQ
|
-0.2 |
0.8%
+15.9% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
105.8%
-1.8% YoY-0.2% QoQ
|
+14.9% |
90.8%
+2.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 9.2% in tier |
| AMR |
$32,741
+2.1% YoY+0.7% QoQ
|
+$4K |
$29,088
+0.1% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
20.8%
-3.1% YoY-4.1% QoQ
|
-8.1% |
29.0%
+0.7% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
16% |
| Indirect Auto % |
11.6%
-10.5% YoY-0.4% QoQ
|
-7.1% |
18.8%
-3.0% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
39% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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)