BlastPoint's Credit Union Scorecard
ALHAMBRA
Charter #60165 · AZ
ALHAMBRA has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.16% above tier average
- + Deposit Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 10.67% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - Indirect Auto Concentration (%): Bottom 4.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,021
-0.9% YoY+0.1% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$32.4M
+8.5% YoY-3.6% QoQ
|
+$2.5M |
$29.9M
+1.1% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$21.6M
+1.6% YoY-1.2% QoQ
|
+$5.8M |
$15.8M
-2.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$29.0M
+10.1% YoY-3.7% QoQ
|
+$3.6M |
$25.5M
+0.4% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
0.4%
+129.2% YoY+32.1% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
5.1%
+2.9% YoY+2.4% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
Top 12.6% in tier |
| Efficiency Ratio |
92.1%
-2.7% YoY-1.3% QoQ
|
+10.7% |
81.4%
-2.4% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
2.0%
+63.3% YoY-12.3% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
74.5%
-7.7% YoY+2.6% QoQ
|
+13.2% |
61.2%
-3.0% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$12,592
+7.2% YoY-2.7% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
17.1%
+50.3% YoY+8.2% QoQ
|
-7.3% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
28.3%
-15.7% YoY-1.9% QoQ
|
+14.3% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)