BlastPoint's Credit Union Scorecard
ALTANA
Charter #6275 · MT
ALTANA has 4 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does MT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 60.4% in tier
- + Wallet Share Momentum: Top 91.4% in tier
- + ROA 0.35% above tier average
- + Net Interest Margin 0.50% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 59.4% in tier
- - Credit Risk Growth: Bottom 66.6% in tier
- - Credit Quality Pressure: Bottom 95.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,750
+2.1% YoY+0.1% QoQ
|
+1.2K |
38,575
-4.8% YoY
|
10,794
+3.9% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$633.9M
+6.5% YoY+3.1% QoQ
|
+$12.2M |
$621.7M
+0.1% YoY
|
$197.5M
+8.6% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$483.7M
+9.8% YoY+1.7% QoQ
|
+$53.9M |
$429.8M
-1.8% YoY
|
$129.1M
+6.1% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$558.4M
+5.8% YoY+3.0% QoQ
|
+$19.7M |
$538.7M
+0.6% YoY
|
$168.5M
+7.6% YoY
|
$477.3M
+9.7% YoY
|
64% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+7.5% YoY+6.6% QoQ
|
+0.3% |
0.7%
+42.9% YoY
|
0.7%
-27.4% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
3.9%
+7.4% YoY-0.7% QoQ
|
+0.5% |
3.4%
+8.0% YoY
|
3.7%
+4.3% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
75.2%
-0.8% YoY-1.3% QoQ
|
-2.3% |
77.5%
-4.1% YoY
|
76.7%
+2.1% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.7%
+2.5% YoY-15.2% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
0.9%
-14.9% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
86.6%
+3.8% YoY-1.3% QoQ
|
+6.8% |
79.8%
-2.3% YoY
|
67.3%
-2.3% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$26,217
+5.4% YoY+2.3% QoQ
|
$-632 |
$26,849
+2.7% YoY
|
$21,802
+3.7% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
26.5%
-7.5% YoY+0.0% QoQ
|
+2.1% | 24.4% | 17.9% | 19.8% | 58% |
| Indirect Auto % |
23.5%
-1.6% YoY+1.2% QoQ
|
+9.8% | 13.8% | 6.1% | 7.8% | 76% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)