BlastPoint's Credit Union Scorecard

ALTA VISTA

Charter #64531 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 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 0.10% above tier average

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.48% below tier average
- Efficiency ratio 8.20% above tier (higher cost structure)
- Member decline: -3.3% YoY
- Loan Growth Rate: Bottom 7.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	11,858 -3.3% YoY-0.9% QoQ	-3.6K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	42%
Assets	$212.6M +1.7% YoY+0.1% QoQ	$-19.3M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	54%
Loans	$130.5M -6.8% YoY-5.3% QoQ	$-16.9M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	53%
Deposits	$192.9M +2.0% YoY+0.3% QoQ	$-7.9M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% 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	0.3% -9.4% QoQ	-0.5%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	17%
NIM	3.7% +8.4% YoY+0.5% QoQ	+0.1%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	55%
Efficiency Ratio	85.2% -6.0% YoY+0.2% QoQ	+8.2%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	79%
Delinquency Rate	0.4% -33.9% YoY+38.3% QoQ	-0.5	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	21%
Loan To Share	67.6% -8.6% YoY-5.6% QoQ	-4.6%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	38%
AMR	$27,268 +1.6% YoY-1.1% QoQ	+$3K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	73%
CD Concentration	20.6% -2.0% YoY-1.0% QoQ	-3.8%	24.4%	21.7%	19.8%	50%
Indirect Auto %	6.8% -30.9% YoY-8.1% QoQ	-7.0%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Institutional Decline

decline

#80 of 240 • 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: $212.57M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -3.27%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.77%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#187 of 554 • 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): -3.27%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -6.77%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.36%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#233 of 554 • 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): -3.27%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#334 of 538 • 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: 85.21%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.26% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -3.27%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (1 metrics)

222

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Median: -

#222 of 1069 Top 20.7% in 100M-500M tier

Top Weaknesses (8 metrics)

991

Loan Growth Rate

growth

Value: -6.77%

Peer Median: -

#991 of 1069 Bottom 7.4% in 100M-500M tier

984

First Mortgage Concentration (%)

balance_sheet

Value: 56.30%

Peer Median: -

#984 of 1069 Bottom 8.0% in 100M-500M tier

974

Net Worth Ratio

risk

Value: 8.63%

Peer Median: -

#974 of 1069 Bottom 9.0% in 100M-500M tier

884

Return on Assets (ROA)

profitability

Value: 0.29%

Peer Median: -

#884 of 1069 Bottom 17.4% in 100M-500M tier

882

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: -

#882 of 1069 Bottom 17.6% in 100M-500M tier

879

Member Growth Rate

growth

Value: -3.27%

Peer Median: -

#879 of 1069 Bottom 17.9% in 100M-500M tier

843

Efficiency Ratio

profitability

Value: 85.21%

Peer Median: -

#843 of 1069 Bottom 21.2% in 100M-500M tier

803

Asset Growth Rate

growth

Value: 1.69%

Peer Median: -

#803 of 1069 Bottom 25.0% in 100M-500M tier