BlastPoint's Credit Union Scorecard

ALTAONE

Charter #5612 · CA

Community 750M-1B

AltaOne at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

AltaOne is one of 101 credit unions in the 2026 VentureTech card set. We also found AltaOne's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

AltaOne

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ALTAONE
PEER · AT VENTURETECH
PEER · AT VENTURETECH
ALTAONE'S BIGGEST OPPORTUNITY

111 CUs in 750M-1B nationally 12 in CA

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ALTAONE has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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

growth

#22 of 262 • Top 6.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 12.35%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.6K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 276 Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#79 of 483 • Top 6.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.35%

(Tier: 3.97%, National: 35.20%)

better than tier avg

635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (4)

Membership Headwinds

decline

#44 of 549 • Bottom 96.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -9.61%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#136 of 549 • Bottom 96.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.61%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 1.81%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.70%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#362 of 476 • Bottom 72.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.62%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 20.26%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -9.61%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Efficiency Drag

risk

#481 of 531 • Bottom 40.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.11%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.05% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -9.61%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 111 peers in tier

Top Strengths (4 metrics)

Total Loans

balance_sheet

Value: $760.98M

Peer Median: $626.83M

#4 of 111 Top 2.7% in 750M-1B tier

Total Deposits

balance_sheet

Value: $872.24M

Peer Median: $737.84M

#5 of 111 Top 3.6% in 750M-1B tier

AMR Growth Rate

growth

Value: 12.35%

Peer Median: 4.04%

#8 of 111 Top 6.3% in 750M-1B tier

Total Assets

balance_sheet

Value: $967.23M

Peer Median: $860.94M

#8 of 111 Top 6.3% in 750M-1B tier

Top Weaknesses (6 metrics)

106

Return on Assets (ROA)

profitability

Value: 0.17%

Peer Median: 0.81%

#106 of 111 Bottom 5.4% in 750M-1B tier

105

Member Growth Rate

growth

Value: -9.61%

Peer Median: 1.14%

#105 of 111 Bottom 6.3% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 1.00%

Peer Median: 0.47%

#97 of 111 Bottom 13.5% in 750M-1B tier

Deposit Growth Rate

growth

Value: 1.32%

Peer Median: 4.45%

#92 of 111 Bottom 18.0% in 750M-1B tier

Net Worth Ratio

risk

Value: 9.19%

Peer Median: 10.80%

#90 of 111 Bottom 19.8% in 750M-1B tier

Asset Growth Rate

growth

Value: 1.62%

Peer Median: 4.77%

#89 of 111 Bottom 20.7% in 750M-1B tier