BlastPoint's Credit Union Scorecard
ALTAONE
Charter #5612 · CA
ALTAONE has 6 strengths but faces 8 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
- + Relationship Depth Leader: Top 6.1% in tier
- + Wallet Share Momentum: Top 6.1% in tier
- + Total Loans: Top 2.7% in tier
- + Total Deposits: Top 3.6% in tier
- + AMR Growth Rate: Top 6.3% in tier
- + Total Assets: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 40.7% in tier
- - Indirect Auto Dependency: Bottom 72.5% in tier
- - Membership Headwinds: Bottom 96.7% in tier
- - Stagnation Risk: Bottom 96.7% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 5.57% above tier (higher cost structure)
- - Member decline: -9.6% YoY
- - Member Growth Rate: Bottom 6.3% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 12 that size in California.
- Shares and deposits +1.3% year over year ($872M in shares and deposits).
- Membership: 53,422 members, -9.6% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 0.17%.
- Efficiency ratio 80.11% vs a 74.54% peer average.
- Loan-to-share ratio 87.24% vs a 82.60% 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 |
53,422
-9.6% YoY-0.3% QoQ
|
+939 |
52,482
+1.3% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$967.2M
+1.6% YoY-0.7% QoQ
|
+$103.3M |
$863.9M
+0.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 7.2% in tier |
| Loans |
$761.0M
+1.8% YoY+0.6% QoQ
|
+$153.2M |
$607.8M
+2.1% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 3.6% in tier |
| Deposits |
$872.2M
+1.3% YoY-0.9% QoQ
|
+$132.3M |
$739.9M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 4.5% in tier |
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| ROA |
0.2%
-23.7% YoY+96.0% QoQ
|
-0.7% |
0.8%
+30.4% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.5% in tier |
| NIM |
3.5%
+4.6% YoY+1.2% QoQ
|
+0.0% |
3.5%
+6.2% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
80.1%
-2.9% YoY+1.3% QoQ
|
+5.6% |
74.5%
-1.4% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
0.7%
-8.3% YoY+19.2% QoQ
|
-0.1 |
0.8%
+1.0% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
87.2%
+0.5% YoY+1.5% QoQ
|
+4.6% |
82.6%
+1.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
55% |
| AMR |
$30,572
+12.3% YoY+0.1% QoQ
|
+$2K |
$28,702
+0.4% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
67% |
| CD Concentration |
24.9%
-2.1% YoY+0.0% QoQ
|
+0.3% | 24.6% | 22.2% | 20.0% | 51% |
| Indirect Auto % |
20.3%
-5.5% YoY-1.6% QoQ
|
+6.6% | 13.6% | 9.2% | 7.7% | 72% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)