BlastPoint's Credit Union Scorecard

ALTRA

Charter #24077 · WI

Mid-Market 3B-5B

Altra at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Altra is one of 101 credit unions in the 2026 VentureTech card set. We also found Altra's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Altra

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ALTRA
PEER · AT VENTURETECH
PEER · AT VENTURETECH
ALTRA'S BIGGEST OPPORTUNITY

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

View Mid-Market leaderboard →

ALTRA has 4 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

+ 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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

growth

#47 of 113 • Top 46.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.28%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 1.67%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 11.96%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank worsening

Organic Growth Leader

growth

#78 of 112 • Top 46.2% in tier

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

Why This Signature

Member Growth (YoY): 2.28%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 11.96%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY

Relationship Depth Leader

growth

#51 of 69 • Top 48.1% 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): 3.45%

(Tier: 3.62%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $3.6K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk

#13 of 168 • Bottom 2.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 109.84%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.64%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

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 77 peers in tier

Top Strengths (8 metrics)

Return on Assets (ROA)

profitability

Value: 1.67%

Peer Median: 0.94%

#3 of 77 Top 2.6% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 109.84%

Peer Median: 93.34%

#5 of 77 Top 5.2% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.91%

Peer Median: 32.00%

#8 of 77 Top 9.1% in 3B-5B tier

Efficiency Ratio

profitability

Value: 59.82%

Peer Median: 68.32%

#12 of 77 Top 14.3% in 3B-5B tier

Net Worth Ratio

risk

Value: 12.68%

Peer Median: 10.81%

#13 of 77 Top 15.6% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 3.75%

Peer Median: 3.28%

#14 of 77 Top 16.9% in 3B-5B tier

Fee Income Per Member

profitability

Value: $258.10

Peer Median: $211.54

#14 of 77 Top 16.9% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,607

Peer Median: $13,282

#16 of 77 Top 19.5% in 3B-5B tier

Top Weaknesses (5 metrics)

Total Deposits

balance_sheet

Value: $2.58B

Peer Median: $3.34B

#72 of 77 Bottom 7.8% in 3B-5B tier

Total Assets

balance_sheet

Value: $3.14B

Peer Median: $3.97B

#69 of 77 Bottom 11.7% in 3B-5B tier

Total Members

engagement

Value: 160,726

Peer Median: 211,695

#65 of 77 Bottom 16.9% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 315.768

Peer Median: 390.144

#62 of 77 Bottom 20.8% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 43.82%

Peer Median: 32.92%

#61 of 77 Bottom 22.1% in 3B-5B tier