BlastPoint's Credit Union Scorecard
ALTURA
Charter #24969 · CA
ALTURA has 7 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 22.1% in tier
- + Organic Growth Engine: Top 22.1% in tier
- + Net Interest Margin 0.49% above tier average
- + Strong member growth: 5.1% YoY
- + Total Members: Top 0.3% in tier
- + Total Deposits: Top 4.9% in tier
- + Total Assets: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 25.5% in tier
- - Shrinking Wallet Share: Bottom 88.2% in tier
- - ROA 0.20% below tier average
- - Average Member Relationship (AMR): Bottom 4.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
- - Net Charge-Off Rate: Bottom 6.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
215,773
+5.1% YoY+1.6% QoQ
|
+119.7K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Top 0.7% in tier |
| Assets |
$2.7B
+2.1% YoY+3.7% QoQ
|
+$946.0M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 9.2% in tier |
| Loans |
$1.7B
+0.4% YoY+0.4% QoQ
|
+$506.6M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
83% |
| Deposits |
$2.4B
+4.4% YoY+3.6% QoQ
|
+$921.3M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 5.2% in tier |
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| ROA |
0.5%
+0.2% YoY-52.2% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
3.8%
+15.5% YoY+4.6% QoQ
|
+0.5% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
72.4%
+1.1% YoY+6.1% QoQ
|
-2.2% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.5%
+40.7% YoY-18.4% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
36% |
| Loan To Share |
72.1%
-3.8% YoY-3.1% QoQ
|
-11.1% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
19% |
| AMR |
$19,034
-2.3% YoY+0.7% QoQ
|
$-11K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.9% in tier |
| CD Concentration |
20.6%
-0.7% YoY-2.0% QoQ
|
-8.2% | 28.8% | 21.6% | 19.8% | 16% |
| Indirect Auto % |
9.2%
+11.5% YoY+1.5% QoQ
|
-8.8% | 18.1% | 9.0% | 7.7% | 37% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)