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 3.8% in tier
- + Wallet Share Momentum: Top 9.2% in tier
- + Net Interest Margin 0.08% above tier average
- + Total Deposits: Top 4.3% in tier
- + Total Loans: Top 4.3% in tier
- + AMR Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 8.1% in tier
- - Stagnation Risk: Bottom 39.4% in tier
- - Indirect Auto Dependency: Bottom 65.3% in tier
- - Efficiency Drag: Bottom 72.8% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 10.05% above tier (higher cost structure)
- - Member decline: -9.1% YoY
- - Member Growth Rate: Bottom 3.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,057
-9.1% YoY-10.2% QoQ
|
+972 |
52,084
-1.6% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$962.0M
+3.1% YoY-0.1% QoQ
|
+$98.1M |
$863.9M
+0.5% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 12.0% in tier |
| Loans |
$756.0M
+6.7% YoY-0.6% QoQ
|
+$150.2M |
$605.8M
+1.4% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 5.1% in tier |
| Deposits |
$866.8M
+2.8% YoY-0.2% QoQ
|
+$129.5M |
$737.3M
+0.1% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 5.1% in tier |
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| ROA |
0.2%
+283.5% YoY+0.2% QoQ
|
-0.6% |
0.7%
+39.1% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.3% in tier |
| NIM |
3.5%
+7.9% YoY+1.3% QoQ
|
+0.1% |
3.4%
+8.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
84.4%
+4.2% YoY-0.2% QoQ
|
+10.0% |
74.3%
-3.6% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
0.8%
-9.5% YoY-6.5% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
87.2%
+3.8% YoY-0.4% QoQ
|
+4.7% |
82.6%
+1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
55% |
| AMR |
$30,586
+15.1% YoY+10.9% QoQ
|
+$2K |
$28,873
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
25.7%
+4.3% YoY-0.9% QoQ
|
+1.3% | 24.4% | 21.7% | 19.8% | 55% |
| Indirect Auto % |
20.8%
-4.4% YoY-1.1% QoQ
|
+7.0% | 13.8% | 9.2% | 7.8% | 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)