BlastPoint's Credit Union Scorecard

GRAND JUNCTION

Charter #11718 · CO

100M-500M

1024 CUs in 100M-500M nationally 26 in CO

GRAND JUNCTION has 3 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 Worth Ratio: Top 3.7% in tier
+ AMR Growth Rate: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.12% below tier average
- Efficiency ratio 0.87% above tier (higher cost structure)

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
Shares and deposits +6.6% year over year ($95.0M in shares and deposits).
Membership: 6,496 members, -5.6% vs a year ago.
Delinquency rate 0.72%.
Return on assets 0.74%.
Efficiency ratio 77.61% vs a 76.73% peer average.
Loan-to-share ratio 61.72% vs a 71.54% 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	6,496 -5.6% YoY-6.0% QoQ	-8.7K	15,168 -2.6% YoY	46,494 +29.3% YoY	34,678 +6.6% YoY	Bottom 9.1% in tier
Assets	$115.0M +6.4% YoY+0.7% QoQ	$-117.0M	$232.0M +0.7% YoY	$894.3M +37.1% YoY	$593.1M +10.2% YoY	Bottom 9.7% in tier
Loans	$58.6M +7.8% YoY+6.3% QoQ	$-87.7M	$146.3M +0.2% YoY	$702.2M +37.3% YoY	$418.6M +10.1% YoY	Bottom 10.4% in tier
Deposits	$95.0M +6.6% YoY+0.6% QoQ	$-105.8M	$200.7M +0.2% YoY	$750.1M +37.6% YoY	$504.8M +10.3% YoY	Bottom 7.3% in tier

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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	0.7% -39.1% YoY+11.7% QoQ	-0.1%	0.9% +12.5% YoY	0.7% +37.8% YoY	1.2% +121.4% YoY	48%
NIM	3.0% -12.2% YoY+2.2% QoQ	-0.7%	3.7% +4.5% YoY	3.5% +0.2% YoY	3.8% +2.3% YoY	Bottom 12.4% in tier
Efficiency Ratio	77.6% +18.7% YoY-1.6% QoQ	+0.9%	76.7% -0.8% YoY	79.8% -0.6% YoY	83.0% -5.3% YoY	51%
Delinquency Rate	0.7% +122.1% YoY-10.4% QoQ	-0.2	0.9% +6.6% YoY	0.8% -1.8% YoY	1.3% +2.6% YoY	52%
Loan To Share	61.7% +1.1% YoY+5.6% QoQ	-9.8%	71.5% -0.3% YoY	72.6% -0.3% YoY	66.4% -1.4% YoY	29%
AMR	$23,639 +13.4% YoY+9.3% QoQ	$-1K	$25,107 +3.2% YoY	$24,334 +6.4% YoY	$20,028 -0.9% YoY	54%
CD Concentration	28.4% +9.0% YoY+2.4% QoQ	+3.9%	24.6%	27.0%	20.0%	50%
Indirect Auto %	0.1% -57.3% YoY-15.5% QoQ	-13.5%	13.6%	12.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#63 of 483 • 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): 13.40%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (6)

Credit Risk Growth

risk

#83 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.81%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.40% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Membership Headwinds

decline

#109 of 549 • 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): -5.58%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Liquidity Overhang

risk

#36 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.73%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 61.72%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#189 of 693 • 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): 0.40% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Cost Spiral

risk

#33 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 12.20% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 65.41%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Stagnation Risk

risk

#287 of 549 • 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): -5.58%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 7.81%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.72%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (4 metrics)

Net Worth Ratio

risk

Value: 19.73%

Peer Median: 11.71%

#39 of 1024 Top 3.7% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.40%

Peer Median: 3.53%

#51 of 1024 Top 4.9% in 100M-500M tier

242

Deposit Growth Rate

growth

Value: 6.61%

Peer Median: 3.58%

#242 of 1024 Top 23.5% in 100M-500M tier

256

Loan Growth Rate

growth

Value: 7.81%

Peer Median: 3.02%

#256 of 1024 Top 24.9% in 100M-500M tier

Top Weaknesses (7 metrics)

949

Total Deposits

balance_sheet

Value: $94.96M

Peer Median: $170.77M

#949 of 1024 Bottom 7.4% in 100M-500M tier

938

Member Growth Rate

growth

Value: -5.58%

Peer Median: -0.03%

#938 of 1024 Bottom 8.5% in 100M-500M tier

931

Total Members

engagement

Value: 6,496

Peer Median: 13,128

#931 of 1024 Bottom 9.2% in 100M-500M tier

925

Total Assets

balance_sheet

Value: $114.96M

Peer Median: $196.38M

#925 of 1024 Bottom 9.8% in 100M-500M tier

918

Total Loans

balance_sheet

Value: $58.61M

Peer Median: $124.04M

#918 of 1024 Bottom 10.4% in 100M-500M tier

897

Net Interest Margin (NIM)

profitability

Value: 2.96%

Peer Median: 3.67%

#897 of 1024 Bottom 12.5% in 100M-500M tier

860

Fee Income Per Member

profitability

Value: $101.35

Peer Median: $159.88

#860 of 1024 Bottom 16.1% in 100M-500M tier