BlastPoint's Credit Union Scorecard
ALTURA
Charter #24969 · CA
ALTURA has 7 strengths but faces 4 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 Engine: Top 6.9% in tier
- + Organic Growth Leader: Top 32.6% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.40% above tier average
- + Strong member growth: 5.3% YoY
- + Total Members: Top 0.7% in tier
- + Total Deposits: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 49.5% in tier
- - Shrinking Wallet Share: Bottom 69.2% in tier
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
212,477
+5.3% YoY+0.3% QoQ
|
+115.0K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 1.0% in tier |
| Assets |
$2.6B
-0.4% YoY+1.2% QoQ
|
+$846.9M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 12.3% in tier |
| Loans |
$1.7B
-0.5% YoY-0.6% QoQ
|
+$479.5M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$2.3B
+6.1% YoY+0.9% QoQ
|
+$844.2M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 7.6% in tier |
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| ROA |
1.1%
+46.7% YoY-5.4% QoQ
|
+0.4% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
3.7%
+17.0% YoY+2.0% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
68.3%
-7.6% YoY+2.6% QoQ
|
-5.8% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.6%
+28.3% YoY+21.3% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
74.4%
-6.1% YoY-1.5% QoQ
|
-10.4% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$18,907
-2.0% YoY-0.1% QoQ
|
$-11K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.0% in tier |
| CD Concentration |
21.0%
+0.4% YoY-2.2% QoQ
|
-8.0% | 29.0% | 21.7% | 19.8% | 16% |
| Indirect Auto % |
9.1%
+7.8% YoY+3.2% QoQ
|
-9.2% | 18.3% | 9.2% | 7.8% | 34% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)