BlastPoint's Credit Union Scorecard

ALTRA

Charter #24077 · WI

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 5 in WI

View Mid-Market leaderboard →

ALTRA has 6 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 49.5% in tier
+ Organic Growth Engine: Top 63.7% in tier
+ Organic Growth Leader: Top 63.7% in tier
+ ROA 0.91% above tier average
+ Net Interest Margin 0.53% above tier average
+ Loan-to-Share Ratio: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.4% in tier
- Total Deposits: Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	158,923 +1.0% YoY+0.4% QoQ	-61.5K	220,435 -7.6% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	Bottom 14.1% in tier
Assets	$3.1B +2.8% YoY+1.6% QoQ	$-820.9M	$3.9B -1.5% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	Bottom 9.0% in tier
Loans	$2.7B +5.8% YoY+1.2% QoQ	$-147.5M	$2.9B -1.1% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	38%
Deposits	$2.6B +2.5% YoY+1.2% QoQ	$-731.7M	$3.3B -2.5% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	Bottom 3.8% in tier

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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	1.6% +33.3% YoY+6.6% QoQ	+0.9%	0.7% +10.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	Top 2.6% in tier
NIM	3.7% +8.3% YoY+3.5% QoQ	+0.5%	3.2% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	80%
Efficiency Ratio	61.8% +0.3% YoY+6.9% QoQ	-9.5%	71.3% -2.6% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	15%
Delinquency Rate	0.4% -2.2% YoY-26.6% QoQ	-0.3	0.7% +9.2% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	37%
Loan To Share	107.0% +3.2% YoY-0.0% QoQ	+19.0%	88.0% +0.9% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 7.7% in tier
AMR	$33,424 +3.2% YoY+0.8% QoQ	+$3K	$30,672 +5.5% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	72%
CD Concentration	20.5% -6.7% YoY-0.6% QoQ	-8.4%	28.8%	21.6%	19.8%	15%
Indirect Auto %	11.4% -6.2% YoY+0.3% QoQ	-6.7%	18.1%	8.0%	7.7%	41%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#73 of 115 • Top 63.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.00%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 1.64%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 11.36%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Relationship Depth Leader

growth

#53 of 64 • Top 49.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.15%

(Tier: 3.34%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.7K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | New qualifier

Organic Growth Leader

growth

#106 of 116 • Top 63.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.00%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 11.36%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#25 of 148 • Bottom 3.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 106.99%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.78%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

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 78 peers in tier

Top Strengths (8 metrics)

Return on Assets (ROA)

profitability

Value: 1.64%

Peer Median: 0.75%

#2 of 78 Top 1.3% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 106.99%

Peer Median: 90.65%

#6 of 78 Top 6.4% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.46%

Peer Median: 31.76%

#11 of 78 Top 12.8% in 3B-5B tier

Efficiency Ratio

profitability

Value: 61.77%

Peer Median: 69.26%

#13 of 78 Top 15.4% in 3B-5B tier

Net Worth Ratio

risk

Value: 12.44%

Peer Median: 10.59%

#14 of 78 Top 16.7% in 3B-5B tier

Fee Income Per Member

profitability

Value: $241.24

Peer Median: $175.66

#15 of 78 Top 17.9% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 3.74%

Peer Median: 3.23%

#16 of 78 Top 19.2% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,276

Peer Median: $13,137

#16 of 78 Top 19.2% in 3B-5B tier

Top Weaknesses (5 metrics)

Total Deposits

balance_sheet

Value: $2.57B

Peer Median: $3.34B

#75 of 78 Bottom 5.1% in 3B-5B tier

Total Assets

balance_sheet

Value: $3.09B

Peer Median: $3.94B

#71 of 78 Bottom 10.3% in 3B-5B tier

Total Members

engagement

Value: 158,923

Peer Median: 212,824

#67 of 78 Bottom 15.4% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 312.841

Peer Median: 393.414

#63 of 78 Bottom 20.5% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 44.43%

Peer Median: 32.80%

#62 of 78 Bottom 21.8% in 3B-5B tier