BlastPoint's Credit Union Scorecard

FITZSIMONS

Charter #10572 · CO

100M-500M

1070 CUs in 100M-500M nationally 26 in CO

FITZSIMONS has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.24% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 1.07% below tier average
- Efficiency ratio 6.43% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	12,964 -10.4% YoY-2.3% QoQ	-2.2K	15,145 -2.5% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	49%
Assets	$214.6M +0.5% YoY+0.2% QoQ	$-17.1M	$231.7M +0.8% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	55%
Loans	$149.2M -7.7% YoY-2.4% QoQ	+$5.1M	$144.1M +0.2% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	62%
Deposits	$172.9M +0.1% YoY-0.1% QoQ	$-28.2M	$201.1M +0.4% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	51%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.3% -170.5% YoY	-1.1%	0.7% +5.1% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	Bottom 3.9% in tier
NIM	3.9% -3.6% YoY-6.8% QoQ	+0.2%	3.6% +4.6% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	67%
Efficiency Ratio	84.5% -0.7% YoY+5.3% QoQ	+6.4%	78.0% -1.7% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	1.9% +41.8% YoY-25.4% QoQ	+1.1	0.8% +7.1% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	Bottom 6.3% in tier
Loan To Share	86.3% -7.8% YoY-2.4% QoQ	+15.9%	70.4% -0.4% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	82%
AMR	$24,851 +7.5% YoY+1.1% QoQ	$-68	$24,918 +2.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	60%
CD Concentration	19.0% +0.3% YoY-0.8% QoQ	-5.3%	24.3%	26.7%	19.8%	50%
Indirect Auto %	29.9% -9.3% YoY-5.9% QoQ	+16.1%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#233 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.53%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (6)

Stagnation Risk

risk

#2 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): -10.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -7.65%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.87%

(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

Membership Headwinds

decline

#32 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): -10.39%

(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

Institutional Decline

decline

#19 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: $214.63M

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

worse than tier avg

Member Growth (YoY): -10.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -7.65%

(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

Credit Quality Pressure

risk

#97 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): 0.55% 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

Indirect Auto Dependency

risk

#269 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.50%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 29.90%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -10.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#574 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: 84.46%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.83% points

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

worse than tier avg

Member Growth (YoY): -10.39%

(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 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 1070 peers in tier

Top Strengths (3 metrics)

181

AMR Growth Rate

growth

Value: 7.53%

Peer Median: 3.46%

#181 of 1070 Top 16.8% in 100M-500M tier

198

Loan-to-Share Ratio

balance_sheet

Value: 86.30%

Peer Median: 71.88%

#198 of 1070 Top 18.4% in 100M-500M tier

224

Net Worth Ratio

risk

Value: 13.97%

Peer Median: 11.45%

#224 of 1070 Top 20.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1041

Member Growth Rate

growth

Value: -10.39%

Peer Median: -0.06%

#1041 of 1070 Bottom 2.8% in 100M-500M tier

1028

Return on Assets (ROA)

profitability

Value: -0.34%

Peer Median: 0.69%

#1028 of 1070 Bottom 4.0% in 100M-500M tier

1013

Loan Growth Rate

growth

Value: -7.65%

Peer Median: 2.93%

#1013 of 1070 Bottom 5.4% in 100M-500M tier

1004

Total Delinquency Rate (60+ days)

risk

Value: 1.87%

Peer Median: 0.61%

#1004 of 1070 Bottom 6.3% in 100M-500M tier

995

Net Charge-Off Rate

risk

Value: 1.23%

Peer Median: 0.35%

#995 of 1070 Bottom 7.1% in 100M-500M tier

906

Indirect Auto Concentration (%)

balance_sheet

Value: 29.90%

Peer Median: 6.61%

#906 of 1070 Bottom 15.4% in 100M-500M tier

852

Deposit Growth Rate

growth

Value: 0.12%

Peer Median: 3.30%

#852 of 1070 Bottom 20.5% in 100M-500M tier

848

Asset Growth Rate

growth

Value: 0.50%

Peer Median: 3.91%

#848 of 1070 Bottom 20.8% in 100M-500M tier