BlastPoint's Credit Union Scorecard

ALHAMBRA

Charter #60165 · AZ

2556 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 1.30% above tier average

Key Concerns

Areas that may need attention

- ROA 0.22% below tier average
- Efficiency ratio 9.34% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	4,045 +0.0% YoY+0.6% QoQ	+1.4K	2,615 -1.9% YoY	61,128 +6.4% YoY	33,374 +5.7% YoY	79%
Assets	$33.2M +6.5% YoY+2.6% QoQ	+$3.1M	$30.1M +2.1% YoY	$1.0B +13.9% YoY	$561.6M +9.7% YoY	63%
Loans	$22.0M +4.1% YoY+1.8% QoQ	+$6.2M	$15.8M -1.3% YoY	$668.7M +14.2% YoY	$397.0M +8.8% YoY	73%
Deposits	$29.8M +6.3% YoY+2.7% QoQ	+$4.1M	$25.7M +1.4% YoY	$919.7M +13.3% YoY	$477.3M +9.7% YoY	65%

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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	0.4% +120.9% YoY+6.5% QoQ	-0.2%	0.6% +10.8% YoY	0.7% +37.2% YoY	0.7% +15.9% YoY	35%
NIM	5.3% +5.8% YoY+3.0% QoQ	+1.3%	4.0% +4.0% YoY	4.0% +4.9% YoY	3.8% +5.1% YoY	Top 9.7% in tier
Efficiency Ratio	91.9% -2.7% YoY-0.2% QoQ	+9.3%	82.6% -2.3% YoY	75.5% -2.7% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	1.5% +12.8% YoY-23.4% QoQ	-0.0	1.6% -3.1% YoY	1.0% +13.7% YoY	1.3% -2.1% YoY	72%
Loan To Share	73.8% -2.1% YoY-0.9% QoQ	+13.2%	60.6% -3.1% YoY	70.1% -3.4% YoY	67.4% -1.7% YoY	69%
AMR	$12,805 +5.3% YoY+1.7% QoQ	$-2K	$14,783 -1.4% YoY	$19,516 +4.9% YoY	$19,687 +2.0% YoY	44%
CD Concentration	20.1% +54.5% YoY+17.8% QoQ	-4.3%	24.4%	17.2%	19.8%	50%
Indirect Auto %	27.4% -14.4% YoY-3.0% QoQ	+13.7%	13.8%	22.5%	7.8%	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 2556 peers in tier

Top Strengths (6 metrics)

248

Net Interest Margin (NIM)

profitability

Value: 5.25%

Peer Median: -

#248 of 2556 Top 9.7% in <100M tier

304

Fee Income Per Member

profitability

Value: $161.39

Peer Median: -

#304 of 2556 Top 11.9% in <100M tier

490

Deposit Growth Rate

growth

Value: 6.31%

Peer Median: -

#490 of 2556 Top 19.1% in <100M tier

491

Asset Growth Rate

growth

Value: 6.47%

Peer Median: -

#491 of 2556 Top 19.2% in <100M tier

529

Total Members

engagement

Value: 4,045

Peer Median: -

#529 of 2556 Top 20.7% in <100M tier

636

Loan Growth Rate

growth

Value: 4.09%

Peer Median: -

#636 of 2556 Top 24.8% in <100M tier

Top Weaknesses (3 metrics)

2446

Indirect Auto Concentration (%)

balance_sheet

Value: 27.45%

Peer Median: -

#2446 of 2556 Bottom 4.3% in <100M tier

2216

Net Worth Ratio

risk

Value: 9.53%

Peer Median: -

#2216 of 2556 Bottom 13.3% in <100M tier

2002

Efficiency Ratio

profitability

Value: 91.90%

Peer Median: -

#2002 of 2556 Bottom 21.7% in <100M tier