BlastPoint's Credit Union Scorecard

ALTAONE

Charter #5612 · CA

Community 750M-1B

117 CUs in 750M-1B nationally 13 in CA

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ALTAONE has 6 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 5.8% in tier
+ Wallet Share Momentum: Top 5.8% in tier
+ Total Loans: Top 2.6% in tier
+ Total Deposits: Top 3.4% in tier
+ AMR Growth Rate: Top 6.8% in tier
+ Total Assets: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 59.8% in tier
- Membership Headwinds: Bottom 96.7% in tier
- Stagnation Risk: Bottom 96.7% in tier
- ROA 0.68% below tier average
- Efficiency ratio 3.56% above tier (higher cost structure)
- Member decline: -9.4% YoY
- Member Growth Rate: Bottom 5.1% in tier
- Net Charge-Off Rate: Bottom 9.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	53,583 -9.4% YoY+1.0% QoQ	+2.1K	51,500 +0.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	57%
Assets	$974.0M +3.0% YoY+1.2% QoQ	+$108.4M	$865.6M +0.9% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Top 7.7% in tier
Loans	$756.7M +0.9% YoY+0.1% QoQ	+$161.4M	$595.3M +1.6% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Top 3.4% in tier
Deposits	$880.1M +2.9% YoY+1.5% QoQ	+$137.9M	$742.2M +0.6% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Top 4.3% 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	0.1% +61.7% YoY-50.5% QoQ	-0.7%	0.8% +45.0% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 6.0% in tier
NIM	3.5% +5.9% YoY-0.3% QoQ	+0.0%	3.5% +6.1% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	79.1% -7.0% YoY-6.3% QoQ	+3.6%	75.5% -3.4% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	60%
Delinquency Rate	0.6% -23.2% YoY-21.9% QoQ	-0.1	0.7% -0.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	52%
Loan To Share	86.0% -2.0% YoY-1.4% QoQ	+5.4%	80.6% +0.7% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	55%
AMR	$30,547 +12.5% YoY-0.1% QoQ	+$2K	$28,908 +0.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	64%
CD Concentration	24.9% -0.8% YoY-3.3% QoQ	+0.6%	24.3%	21.6%	19.8%	52%
Indirect Auto %	20.6% -2.3% YoY-1.2% QoQ	+6.8%	13.8%	9.0%	7.7%	72%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#23 of 257 • Top 5.8% 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): 12.54%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#78 of 491 • Top 5.8% in tier

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

Why This Signature

AMR Growth (YoY): 12.54%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (3)

Membership Headwinds

decline

#45 of 570 • 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): -9.41%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#132 of 570 • 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): -9.41%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.87%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.59%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#319 of 504 • Bottom 59.8% in tier

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

Why This Signature

Asset Growth (YoY): 2.98%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 20.60%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -9.41%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 117 peers in tier

Top Strengths (4 metrics)

Total Loans

balance_sheet

Value: $756.69M

Peer Median: $618.21M

#4 of 117 Top 2.6% in 750M-1B tier

Total Deposits

balance_sheet

Value: $880.10M

Peer Median: $735.65M

#5 of 117 Top 3.4% in 750M-1B tier

AMR Growth Rate

growth

Value: 12.54%

Peer Median: 3.70%

#9 of 117 Top 6.8% in 750M-1B tier

Total Assets

balance_sheet

Value: $974.03M

Peer Median: $858.87M

#9 of 117 Top 6.8% in 750M-1B tier

Top Weaknesses (4 metrics)

112

Member Growth Rate

growth

Value: -9.41%

Peer Median: 0.97%

#112 of 117 Bottom 5.1% in 750M-1B tier

110

Return on Assets (ROA)

profitability

Value: 0.08%

Peer Median: 0.63%

#110 of 117 Bottom 6.8% in 750M-1B tier

107

Net Charge-Off Rate

risk

Value: 1.37%

Peer Median: 0.47%

#107 of 117 Bottom 9.4% in 750M-1B tier

Net Worth Ratio

risk

Value: 9.07%

Peer Median: 10.69%

#95 of 117 Bottom 19.7% in 750M-1B tier