BlastPoint's Credit Union Scorecard
ST. MICHAELS
Charter #11340 · CO
ST. MICHAELS has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Efficiency Ratio: Top 0.7% in tier
- + Deposit Growth Rate: Top 8.4% in tier
- + Asset Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 4.0% in tier
- - Total Assets: Bottom 5.3% in tier
- - Total Deposits: Bottom 6.2% in tier
- - Total Loans: Bottom 6.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Colorado.
- Shares and deposits +10.0% year over year ($894K in shares and deposits).
- Membership: 182 members, -0.5% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 1.92%.
- Efficiency ratio 33.86% vs a 88.77% peer average.
- Loan-to-share ratio 45.80% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
-0.5% YoY-0.5% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
Bottom 3.9% in tier |
| Assets |
$1.0M
+8.7% YoY+4.3% QoQ
|
$-29.3M |
$30.3M
+1.5% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.3% in tier |
| Loans |
$409,703
-11.9% YoY+10.1% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.6% in tier |
| Deposits |
$894,469
+10.0% YoY+4.3% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.2% in tier |
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| ROA |
1.9%
-20.0% YoY+105.4% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
Top 10.8% in tier |
| NIM |
2.7%
-11.1% YoY+84.6% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio |
33.9%
+20.0% YoY-21.7% QoQ
|
-54.9% |
88.8%
-6.9% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate | 0.6% | -0.9 |
1.5%
+2.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
45.8%
-19.9% YoY+5.6% QoQ
|
-13.1% |
58.9%
-3.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$7,166
+2.6% YoY+6.6% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
15% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)