ALTRA

Charter #24077 | WI

3B-5B (76 CUs) Mid-Market (380 CUs)
5 3B-5B in WI

ALTRA has 8 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 10.8% in tier
  • + Relationship Depth Leader: Top 22.7% in tier
  • + Organic Growth Leader: Top 27.3% in tier
  • + Wallet Share Momentum: Top 30.2% 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
  • - Liquidity Overhang: Bottom 34.9% 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
 26th in tier
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
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
 66th in tier
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
 55th in tier
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
 Top 23.7% in tier
CD Concentration 20.8%
-3.1% YoY-4.1% QoQ
 -8.1% 29.0%
+0.8% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 Bottom 15.6% in tier
Indirect Auto % 11.6%
-10.5% YoY-0.4% QoQ
 -7.2% 18.8%
-2.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 39th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#79 of 246 • Top 10.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.75%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.48%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 11.62%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#165 of 264 • Top 22.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.14%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.5K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Organic Growth Leader

growth
#108 of 138 • Top 27.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.75%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#219 of 264 • Top 30.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.14%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk
#48 of 183 • Bottom 9.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 105.79%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.01%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Liquidity Overhang

risk
#113 of 113 • Bottom 34.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.01%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 105.79%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | New qualifier

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)

Comparing against 76 peers in tier

Top Strengths (8 metrics)

4
Return on Assets (ROA)
profitability
Value: 1.48%
Peer Avg: 0.75%
#4 of 76 Top 3.9% in 3B-5B tier
6
Efficiency Ratio
profitability
Value: 58.10%
Peer Avg: 71.26%
#6 of 76 Top 6.6% in 3B-5B tier
7
Loan-to-Share Ratio
balance_sheet
Value: 105.79%
Peer Avg: 90.85%
#7 of 76 Top 7.9% in 3B-5B tier
9
Share Certificate Concentration (%)
balance_sheet
Value: 20.85%
Peer Avg: 30.70%
#9 of 76 Top 10.5% in 3B-5B tier
13
Fee Income Per Member
profitability
Value: $254.48
Peer Avg: $191.96
#13 of 76 Top 15.8% in 3B-5B tier
14
Loan-to-Member Ratio (LMR)
engagement
Value: $16,831
Peer Avg: $13,761
#14 of 76 Top 17.1% in 3B-5B tier
16
Net Worth Ratio
risk
Value: 12.01%
Peer Avg: 10.75%
#16 of 76 Top 19.7% in 3B-5B tier
18
Average Member Relationship (AMR)
engagement
Value: $32,741
Peer Avg: $29,088
#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (5 metrics)

76
Total Assets
balance_sheet
Value: $3.01B
Peer Avg: $3.97B
#76 of 76 Bottom 1.3% in 3B-5B tier
74
Total Deposits
balance_sheet
Value: $2.51B
Peer Avg: $3.33B
#74 of 76 Bottom 3.9% in 3B-5B tier
69
Total Members
engagement
Value: 157,770
Peer Avg: 238,466
#69 of 76 Bottom 10.5% in 3B-5B tier
60
Members Per Employee (MPE)
engagement
Value: 316.807
Peer Avg: 433.941
#60 of 76 Bottom 22.4% in 3B-5B tier
59
First Mortgage Concentration (%)
balance_sheet
Value: 45.17%
Peer Avg: 34.35%
#59 of 76 Bottom 23.7% in 3B-5B tier