BlastPoint's Credit Union Scorecard
FITZSIMONS
Charter #10572 · CO
FITZSIMONS has 2 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 66.0% in tier
- + Net Interest Margin 0.55% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 1.1% in tier
- - Credit Quality Pressure: Bottom 2.7% in tier
- - Membership Headwinds: Bottom 7.8% in tier
- - Institutional Decline: Bottom 17.2% in tier
- - Indirect Auto Dependency: Bottom 56.4% in tier
- - Efficiency Drag: Bottom 100.0% in tier
- - ROA 0.75% below tier average
- - Efficiency ratio 3.19% above tier (higher cost structure)
- - Delinquency rate 1.61% above tier average
- - Member decline: -9.4% YoY
- - Member Growth Rate: Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,267
-9.4% YoY-3.7% QoQ
|
-2.2K |
15,437
-2.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$214.3M
-1.1% YoY+1.9% QoQ
|
$-17.6M |
$231.9M
+1.3% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$153.0M
-5.4% YoY-4.1% QoQ
|
+$5.6M |
$147.3M
-0.1% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$173.1M
-1.2% YoY+1.8% QoQ
|
$-27.7M |
$200.8M
+0.8% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.0%
-97.9% YoY-106.7% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.7% in tier |
| NIM |
4.2%
+11.0% YoY-0.9% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
80.2%
-3.1% YoY-2.9% QoQ
|
+3.2% |
77.0%
-3.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
2.5%
+109.7% YoY+25.3% QoQ
|
+1.6 |
0.9%
+4.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 4.1% in tier |
| Loan To Share |
88.4%
-4.3% YoY-5.8% QoQ
|
+16.2% |
72.2%
-1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$24,577
+6.8% YoY+2.7% QoQ
|
$-99 |
$24,676
+3.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
19.1%
-0.4% YoY-2.1% QoQ
|
-5.3% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
31.8%
-2.9% YoY-5.4% QoQ
|
+18.0% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)