BlastPoint's Credit Union Scorecard
COLUMBINE
Charter #11548 · CO
COLUMBINE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 3.0% in tier
- + Total Members: Top 6.7% in tier
- + Total Deposits: Top 7.7% in tier
- + Total Assets: Top 8.4% in tier
- + Total Loans: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 12.80% above tier (higher cost structure)
- - Member decline: -17.8% YoY
- - Member Growth Rate: Bottom 2.1% in tier
- - Indirect Auto Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,651
-17.8% YoY-2.9% QoQ
|
+4.0K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
Top 6.7% in tier |
| Assets |
$78.4M
+2.4% YoY+0.8% QoQ
|
+$48.2M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 8.4% in tier |
| Loans |
$43.2M
-8.7% YoY-3.3% QoQ
|
+$27.5M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
Top 8.4% in tier |
| Deposits |
$68.4M
+2.4% YoY+0.8% QoQ
|
+$42.7M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 7.7% in tier |
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| ROA |
-0.0%
-104.1% YoY-71.8% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
3.7%
-14.7% YoY-2.0% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
95.4%
+17.4% YoY-0.8% QoQ
|
+12.8% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
1.2%
-29.2% YoY-2.3% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
63.2%
-10.9% YoY-4.0% QoQ
|
+2.6% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$16,777
+19.0% YoY+2.1% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
33.2%
+25.3% YoY-4.3% QoQ
|
+8.7% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
13.1%
-18.6% YoY-7.6% QoQ
|
-0.7% | 13.8% | 12.2% | 7.8% | 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)