BlastPoint's Credit Union Scorecard

ALTURA

Charter #24969 · CA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 37 in CA

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ALTURA has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 20.7% in tier
+ Organic Growth Engine: Top 20.7% in tier
+ Net Interest Margin 0.49% above tier average
+ Strong member growth: 5.2% YoY
+ Total Members: Top 0.3% in tier
+ Total Deposits: Top 6.3% in tier
+ Total Assets: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 5.9% in tier
- Credit Quality Pressure: Bottom 31.5% in tier
- Credit Risk Growth: Bottom 63.4% in tier
- Shrinking Wallet Share: Bottom 85.5% in tier
- ROA 0.12% below tier average
- Average Member Relationship (AMR): Bottom 4.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.7% in tier
- Net Charge-Off Rate: Bottom 8.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
Shares and deposits +3.6% year over year ($2.37B in shares and deposits).
Membership: 219,377 members, +5.2% vs a year ago.
Delinquency rate 0.65%.
Return on assets 0.70%.
Efficiency ratio 71.70% vs a 73.02% peer average.
Loan-to-share ratio 75.05% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	219,377 +5.2% YoY+1.7% QoQ	+122.5K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Top 0.7% in tier
Assets	$2.6B +3.5% YoY-0.8% QoQ	+$921.6M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Top 10.0% in tier
Loans	$1.8B +3.9% YoY+3.2% QoQ	+$541.1M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	83%
Deposits	$2.4B +3.6% YoY-0.9% QoQ	+$902.3M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Top 6.7% 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	0.7% -44.2% YoY+35.9% QoQ	-0.1%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	43%
NIM	3.9% +13.3% YoY+1.8% QoQ	+0.5%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	80%
Efficiency Ratio	71.7% +11.0% YoY-1.0% QoQ	-1.3%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	42%
Delinquency Rate	0.6% +23.6% YoY+28.9% QoQ	-0.2	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	46%
Loan To Share	75.0% +0.2% YoY+4.1% QoQ	-9.7%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	20%
AMR	$18,876 -1.4% YoY-0.8% QoQ	$-11K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Bottom 3.7% in tier
CD Concentration	21.5% +1.1% YoY+4.2% QoQ	-7.6%	29.1%	22.2%	20.0%	17%
Indirect Auto %	9.2% +7.8% YoY-0.5% QoQ	-8.9%	18.1%	9.2%	7.7%	35%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#30 of 112 • Top 20.7% in tier

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

Why This Signature

Member Growth (YoY): 5.19%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 9.20%

(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 | New qualifier

Organic Growth Engine

growth

#59 of 113 • Top 20.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.19%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.70%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 9.20%

(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 | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#117 of 215 • Bottom 31.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Cost Spiral

risk

#5 of 8 • Bottom 5.9% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.08% points

(Tier: -1.92% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 64.62%

(Tier: 74.29%, National: 86.72%)

but better than tier avg

8 of 377 Mid-Market CUs have this signature | 106 nationally

↓ Shrinking -12 CUs YoY | New qualifier

Credit Risk Growth

risk

#124 of 170 • Bottom 63.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.85%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#55 of 69 • Bottom 85.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.41%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (9 metrics)

Total Members

engagement

Value: 219,377

Peer Median: 86,516

#2 of 300 Top 0.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.37B

Peer Median: $1.30B

#20 of 300 Top 6.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.65B

Peer Median: $1.51B

#30 of 300 Top 9.7% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 449.543

Peer Median: 346.173

#41 of 300 Top 13.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.78B

Peer Median: $1.14B

#51 of 300 Top 16.7% in 1B-3B tier

Member Growth Rate

growth

Value: 5.19%

Peer Median: 1.84%

#56 of 300 Top 18.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.48%

Peer Median: 28.24%

#56 of 300 Top 18.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.92%

Peer Median: 3.46%

#59 of 300 Top 19.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $257.59

Peer Median: $204.73

#71 of 300 Top 23.3% in 1B-3B tier

Top Weaknesses (5 metrics)

289

Average Member Relationship (AMR)

engagement

Value: $18,876

Peer Median: $28,089

#289 of 300 Bottom 4.0% in 1B-3B tier

287

Loan-to-Member Ratio (LMR)

engagement

Value: $8,093

Peer Median: $12,809

#287 of 300 Bottom 4.7% in 1B-3B tier

275

Net Charge-Off Rate

risk

Value: 1.11%

Peer Median: 0.52%

#275 of 300 Bottom 8.7% in 1B-3B tier

254

AMR Growth Rate

growth

Value: -1.41%

Peer Median: 3.19%

#254 of 300 Bottom 15.7% in 1B-3B tier

239

Loan-to-Share Ratio

balance_sheet

Value: 75.05%

Peer Median: 87.07%

#239 of 300 Bottom 20.7% in 1B-3B tier