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 3.1% in tier
- + Total Members: Top 6.5% in tier
- + Total Deposits: Top 7.5% in tier
- + Total Loans: Top 7.7% in tier
- + Total Assets: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 5.84% above tier (higher cost structure)
- - Member decline: -17.8% YoY
- - Member Growth Rate: Bottom 2.4% in tier
- - Indirect Auto Concentration (%): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,580
-17.8% YoY-1.1% QoQ
|
+3.9K |
2,676
+1.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
Top 6.6% in tier |
| Assets |
$78.5M
+1.4% YoY+0.2% QoQ
|
+$48.3M |
$30.2M
+1.3% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
Top 8.2% in tier |
| Loans |
$43.2M
-4.2% YoY-0.1% QoQ
|
+$27.9M |
$15.3M
-2.0% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
Top 7.7% in tier |
| Deposits |
$68.6M
+1.4% YoY+0.3% QoQ
|
+$42.8M |
$25.8M
+0.7% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
Top 7.5% in tier |
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| ROA |
-0.2%
-134.5% YoY
|
-0.3% |
0.1%
-77.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
3.5%
-11.7% YoY-6.5% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
96.5%
+11.2% YoY+1.2% QoQ
|
+5.8% |
90.6%
+6.5% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
81% |
| Delinquency Rate |
1.1%
+22.0% YoY-9.8% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
63.0%
-5.5% YoY-0.4% QoQ
|
+4.5% |
58.5%
-3.0% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$16,985
+20.6% YoY+1.2% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
32.1%
+7.7% YoY-3.2% QoQ
|
+7.8% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
12.0%
-20.9% YoY-7.8% QoQ
|
-1.8% | 13.8% | 12.4% | 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)