BlastPoint's Credit Union Scorecard

ALHAMBRA

Charter #60165 · AZ

<100M

2508 CUs in <100M nationally 12 in AZ

ALHAMBRA has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.04% above tier average

Key Concerns

Areas that may need attention

- ROA 0.17% below tier average
- Efficiency ratio 5.83% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	4,045 +0.7% YoY0% QoQ	+1.4K	2,676 +1.6% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	80%
Assets	$34.2M +7.9% YoY+2.9% QoQ	+$4.0M	$30.2M +1.3% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	63%
Loans	$21.1M -0.2% YoY-4.2% QoQ	+$5.8M	$15.3M -2.0% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	72%
Deposits	$30.7M +8.2% YoY+3.1% QoQ	+$5.0M	$25.8M +0.7% YoY	$945.2M +9.4% YoY	$494.3M +9.1% YoY	66%

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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	-0.0% -114.6% YoY-105.0% QoQ	-0.2%	0.1% -77.6% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	21%
NIM	5.0% +2.9% YoY-4.0% QoQ	+1.0%	4.0% +4.0% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	Top 11.2% in tier
Efficiency Ratio	96.5% +1.2% YoY+5.0% QoQ	+5.8%	90.6% +6.5% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	1.5% -31.2% YoY-4.8% QoQ	+0.0	1.5% +3.8% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	74%
Loan To Share	68.6% -7.7% YoY-7.1% QoQ	+10.1%	58.5% -3.0% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	65%
AMR	$12,810 +3.9% YoY+0.0% QoQ	$-2K	$14,884 -1.7% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	44%
CD Concentration	21.2% +51.8% YoY+5.2% QoQ	-3.1%	24.3%	17.3%	19.8%	50%
Indirect Auto %	27.3% -11.0% YoY-0.6% QoQ	+13.5%	13.8%	21.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

258

Fee Income Per Member

profitability

Value: $155.06

Peer Median: $60.42

#258 of 2508 Top 10.2% in <100M tier

280

Net Interest Margin (NIM)

profitability

Value: 5.04%

Peer Median: 3.83%

#280 of 2508 Top 11.1% in <100M tier

297

Asset Growth Rate

growth

Value: 7.85%

Peer Median: 1.30%

#297 of 2508 Top 11.8% in <100M tier

303

Deposit Growth Rate

growth

Value: 8.21%

Peer Median: 0.66%

#303 of 2508 Top 12.0% in <100M tier

510

Total Members

engagement

Value: 4,045

Peer Median: 1,918

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (5 metrics)

2402

Indirect Auto Concentration (%)

balance_sheet

Value: 27.30%

Peer Median: 0.00%

#2402 of 2508 Bottom 4.3% in <100M tier

2252

Net Worth Ratio

risk

Value: 9.03%

Peer Median: 14.28%

#2252 of 2508 Bottom 10.2% in <100M tier

2062

Net Charge-Off Rate

risk

Value: 0.80%

Peer Median: 0.07%

#2062 of 2508 Bottom 17.8% in <100M tier

2021

Efficiency Ratio

profitability

Value: 96.46%

Peer Median: 81.45%

#2021 of 2508 Bottom 19.5% in <100M tier

1989

Return on Assets (ROA)

profitability

Value: -0.02%

Peer Median: 0.61%

#1989 of 2508 Bottom 20.7% in <100M tier