ALTAONE

Charter #5612 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

ALTAONE has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 13.2% in tier
  • + Wallet Share Momentum: Top 20.8% in tier
  • + Organic Growth Engine: Top 31.0% in tier
  • + Net Interest Margin 0.05% above tier average
  • + Total Loans: Top 4.5% in tier
  • + Total Deposits: Top 4.5% in tier
  • + Total Assets: Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 11.8% in tier
  • - Growth-at-Risk: Bottom 14.8% in tier
  • - Credit Quality Pressure: Bottom 21.8% in tier
  • - Indirect Auto Dependency: Bottom 27.8% in tier
  • - ROA 0.54% below tier average
  • - Efficiency ratio 10.04% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 59,059
+2.1% YoY-0.1% QoQ
 +6.9K 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 65th in tier
Assets $962.5M
+3.2% YoY+1.1% QoQ
 +$103.5M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 8.9% in tier
Loans $760.9M
+9.6% YoY+1.8% QoQ
 +$157.5M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 5.4% in tier
Deposits $868.5M
+3.4% YoY+0.9% QoQ
 +$134.4M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 5.4% in tier
ROA 0.2%
+67.8% YoY-21.4% QoQ
 -0.5% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 15.2% in tier
NIM 3.4%
+3.9% YoY+2.3% QoQ
 +0.1% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 53rd in tier
Efficiency Ratio 84.6%
+4.8% YoY+2.5% QoQ
 +10.0% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 15.2% in tier
Delinquency Rate 0.8%
+9.8% YoY+5.4% QoQ
 -0.0 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 65th in tier
Loan To Share 87.6%
+5.9% YoY+0.9% QoQ
 +4.9% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 53rd in tier
AMR $27,589
+4.0% YoY+1.4% QoQ
 $-1K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 56th in tier
CD Concentration 25.9%
+6.7% YoY+2.1% QoQ
 +1.5% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 56th in tier
Indirect Auto % 21.1%
-4.9% YoY-1.8% QoQ
 +7.1% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 73rd in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#365 of 1006 • Top 13.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.02%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#575 of 1006 • Top 20.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.02%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#569 of 603 • Top 31.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.09%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.17%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 21.06%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk
#209 of 521 • Bottom 11.8% in tier

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

Why This Signature
Efficiency Ratio: 84.56%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.07% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.09%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Growth-at-Risk

risk
#222 of 446 • Bottom 14.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.56%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#540 of 736 • Bottom 21.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#447 of 525 • Bottom 27.8% in tier

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

Why This Signature
Asset Growth (YoY): 3.25%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 21.06%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.09%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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)

Comparing against 112 peers in tier

Top Strengths (4 metrics)

6
Total Loans
balance_sheet
Value: $760.86M
Peer Avg: $603.36M
#6 of 112 Top 4.5% in 750M-1B tier
6
Total Deposits
balance_sheet
Value: $868.54M
Peer Avg: $734.17M
#6 of 112 Top 4.5% in 750M-1B tier
10
Total Assets
balance_sheet
Value: $962.54M
Peer Avg: $859.01M
#10 of 112 Top 8.0% in 750M-1B tier
28
Loan Growth Rate
growth
Value: 9.56%
Peer Avg: 4.84%
#28 of 112 Top 24.1% in 750M-1B tier

Top Weaknesses (4 metrics)

96
Efficiency Ratio
profitability
Value: 84.56%
Peer Avg: 74.52%
#96 of 112 Bottom 15.2% in 750M-1B tier
95
Return on Assets (ROA)
profitability
Value: 0.17%
Peer Avg: 0.71%
#95 of 112 Bottom 16.1% in 750M-1B tier
87
Net Worth Ratio
risk
Value: 9.25%
Peer Avg: 11.52%
#87 of 112 Bottom 23.2% in 750M-1B tier
85
Fee Income Per Member
profitability
Value: $149.23
Peer Avg: $204.75
#85 of 112 Bottom 25.0% in 750M-1B tier