GRAND JUNCTION

Charter #11718 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in CO

GRAND JUNCTION has 6 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 6.2% in tier
  • + Organic Growth Engine: Top 14.6% in tier
  • + Organic Growth Leader: Top 24.5% in tier
  • + ROA 0.51% above tier average
  • + Net Worth Ratio: Top 2.8% in tier
  • + Members Per Employee (MPE): Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.7% in tier
  • - Liquidity Overhang: Bottom 2.6% in tier
  • - Shrinking Wallet Share: Bottom 14.5% in tier
  • - Delinquency rate 0.64% above tier average
  • - Total Deposits: Bottom 2.6% in tier
  • - Total Assets: Bottom 6.4% in tier
  • - Total Loans: Bottom 7.1% in tier
  • - Fee Income Per Member: Bottom 7.6% in tier
  • - Total Members: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 6,889
+1.3% YoY+0.1% QoQ
 -8.7K 15,628
-3.4% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 Bottom 9.7% in tier
Assets $109.1M
+2.6% YoY+0.9% QoQ
 $-122.2M $231.3M
-0.0% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 Bottom 6.3% in tier
Loans $55.0M
-4.2% YoY+1.1% QoQ
 $-92.8M $147.8M
-1.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 Bottom 7.1% in tier
Deposits $89.7M
+1.3% YoY+0.7% QoQ
 $-110.6M $200.3M
-0.0% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 Bottom 2.5% in tier
ROA 1.3%
+102.5% YoY+7.2% QoQ
 +0.5% 0.8%
+15.5% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Top 17.8% in tier
NIM 3.4%
+1.2% YoY-0.6% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 35th in tier
Efficiency Ratio 61.3%
-27.5% YoY-6.3% QoQ
 -16.0% 77.3%
-3.0% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 Bottom 10.0% in tier
Delinquency Rate 1.5%
+211.3% YoY+360.0% QoQ
 +0.6 0.9%
+7.6% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 Top 14.6% in tier
Loan To Share 61.3%
-5.5% YoY+0.4% QoQ
 -11.4% 72.7%
-1.5% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 Bottom 23.7% in tier
AMR $20,997
-2.2% YoY+0.7% QoQ
 $-3K $24,363
+2.9% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 42nd in tier
CD Concentration 27.6%
+23.7% YoY+5.8% QoQ
 +3.2% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.2%
-50.4% YoY-14.2% QoQ
 -13.7% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#118 of 627 • Top 6.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.30%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.34%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#269 of 603 • Top 14.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.34%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.30%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.24%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#324 of 430 • Top 24.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.34%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#44 of 736 • Bottom 1.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 1.01% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk
#41 of 552 • Bottom 2.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 20.19%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 61.27%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#145 of 244 • Bottom 14.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.18%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

31
Net Worth Ratio
risk
Value: 20.19%
Peer Avg: 12.15%
#31 of 1077 Top 2.8% in 100M-500M tier
107
Members Per Employee (MPE)
engagement
Value: 459.267
Peer Avg: 332.881
#107 of 1077 Top 9.8% in 100M-500M tier
109
Efficiency Ratio
profitability
Value: 61.25%
Peer Avg: 77.28%
#109 of 1077 Top 10.0% in 100M-500M tier
192
Return on Assets (ROA)
profitability
Value: 1.30%
Peer Avg: 0.79%
#192 of 1077 Top 17.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1050
Total Deposits
balance_sheet
Value: $89.69M
Peer Avg: $200.29M
#1050 of 1077 Bottom 2.6% in 100M-500M tier
1009
Total Assets
balance_sheet
Value: $109.07M
Peer Avg: $231.30M
#1009 of 1077 Bottom 6.4% in 100M-500M tier
1001
Total Loans
balance_sheet
Value: $54.95M
Peer Avg: $147.80M
#1001 of 1077 Bottom 7.1% in 100M-500M tier
996
Fee Income Per Member
profitability
Value: $80.99
Peer Avg: $174.31
#996 of 1077 Bottom 7.6% in 100M-500M tier
972
Total Members
engagement
Value: 6,889
Peer Avg: 15,628
#972 of 1077 Bottom 9.8% in 100M-500M tier
962
AMR Growth Rate
growth
Value: -2.18%
Peer Avg: 3.64%
#962 of 1077 Bottom 10.8% in 100M-500M tier
921
Total Delinquency Rate (60+ days)
risk
Value: 1.50%
Peer Avg: 0.86%
#921 of 1077 Bottom 14.6% in 100M-500M tier
912
Loan Growth Rate
growth
Value: -4.23%
Peer Avg: 3.45%
#912 of 1077 Bottom 15.4% in 100M-500M tier
822
Loan-to-Share Ratio
balance_sheet
Value: 61.27%
Peer Avg: 72.70%
#822 of 1077 Bottom 23.8% in 100M-500M tier