BlastPoint's Credit Union Scorecard
ALTRA
Charter #24077 · WI
ALTRA has 7 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 44.3% in tier
- + Relationship Depth Leader: Top 67.2% in tier
- + Organic Growth Leader: Top 94.3% in tier
- + ROA 0.82% above tier average
- + Net Interest Margin 0.47% above tier average
- + Efficiency Ratio: Top 3.9% in tier
- + Loan-to-Share Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.2% in tier
- - Total Deposits: Bottom 2.6% in tier
- - Total Assets: Bottom 3.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
158,255
+0.9% YoY+0.3% QoQ
|
-72.1K |
230,353
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 11.8% in tier |
| Assets |
$3.0B
+3.5% YoY+1.2% QoQ
|
$-895.9M |
$3.9B
+0.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.6% in tier |
| Loans |
$2.7B
+4.7% YoY+2.2% QoQ
|
$-222.6M |
$2.9B
-0.2% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$2.5B
+4.9% YoY+1.0% QoQ
|
$-776.2M |
$3.3B
-0.3% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.3% in tier |
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| ROA |
1.5%
+56.4% YoY+3.7% QoQ
|
+0.8% |
0.7%
+16.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
Top 5.3% in tier |
| NIM |
3.6%
+18.5% YoY+1.4% QoQ
|
+0.5% |
3.1%
+9.8% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
57.8%
-5.1% YoY-0.5% QoQ
|
-13.6% |
71.4%
-1.4% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate |
0.6%
-8.4% YoY-4.7% QoQ
|
-0.3 |
0.9%
+5.8% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
107.0%
-0.2% YoY+1.2% QoQ
|
+18.1% |
88.9%
-0.2% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 5.3% in tier |
| AMR |
$33,156
+3.9% YoY+1.3% QoQ
|
+$3K |
$29,682
+1.5% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
20.6%
-5.0% YoY-1.3% QoQ
|
-8.5% | 29.0% | 21.5% | 19.8% | Bottom 14.6% in tier |
| Indirect Auto % |
11.3%
-9.2% YoY-2.6% QoQ
|
-7.0% | 18.3% | 8.0% | 7.8% | 40% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)