BlastPoint's Credit Union Scorecard

ALTA VISTA

Charter #64531 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

ALTA VISTA has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.09% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.57% below tier average
- Efficiency ratio 13.31% above tier (higher cost structure)
- Delinquency rate 0.35% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	11,782 -3.1% YoY-0.6% QoQ	-3.4K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	43%
Assets	$211.7M -0.5% YoY-0.4% QoQ	$-20.0M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	54%
Loans	$130.0M -6.6% YoY-0.3% QoQ	$-14.1M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	55%
Deposits	$191.6M -0.8% YoY-0.7% QoQ	$-9.5M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	57%

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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	0.2% -45.9% QoQ	-0.6%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 14.5% in tier
NIM	3.7% +4.3% YoY+0.4% QoQ	+0.1%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	57%
Efficiency Ratio	91.3% +4.0% YoY+7.2% QoQ	+13.3%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 12.6% in tier
Delinquency Rate	1.1% +111.8% YoY+211.7% QoQ	+0.4	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	81%
Loan To Share	67.9% -5.9% YoY+0.3% QoQ	-2.6%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	41%
AMR	$27,300 -0.1% YoY+0.1% QoQ	+$2K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	72%
CD Concentration	19.7% -0.4% YoY-4.6% QoQ	-4.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	5.9% -32.2% YoY-13.2% QoQ	-7.9%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#87 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.60% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#76 of 570 • Bottom 50.0% 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): -3.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.13%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

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

Efficiency Drag

risk

#120 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.34%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Institutional Decline

decline

#81 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $211.73M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -6.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#254 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

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

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 1070 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

999

First Mortgage Concentration (%)

balance_sheet

Value: 58.03%

Peer Median: 29.47%

#999 of 1070 Bottom 6.7% in 100M-500M tier

998

Loan Growth Rate

growth

Value: -6.62%

Peer Median: 2.93%

#998 of 1070 Bottom 6.8% in 100M-500M tier

963

Net Worth Ratio

risk

Value: 8.70%

Peer Median: 11.45%

#963 of 1070 Bottom 10.1% in 100M-500M tier

936

Efficiency Ratio

profitability

Value: 91.34%

Peer Median: 78.68%

#936 of 1070 Bottom 12.6% in 100M-500M tier

922

Asset Growth Rate

growth

Value: -0.53%

Peer Median: 3.91%

#922 of 1070 Bottom 13.9% in 100M-500M tier

915

Return on Assets (ROA)

profitability

Value: 0.16%

Peer Median: 0.69%

#915 of 1070 Bottom 14.6% in 100M-500M tier

898

Deposit Growth Rate

growth

Value: -0.78%

Peer Median: 3.30%

#898 of 1070 Bottom 16.2% in 100M-500M tier

867

Total Delinquency Rate (60+ days)

risk

Value: 1.13%

Peer Median: 0.61%

#867 of 1070 Bottom 19.1% in 100M-500M tier

858

Member Growth Rate

growth

Value: -3.08%

Peer Median: -0.06%

#858 of 1070 Bottom 19.9% in 100M-500M tier

853

AMR Growth Rate

growth

Value: -0.14%

Peer Median: 3.46%

#853 of 1070 Bottom 20.4% in 100M-500M tier