BlastPoint's Credit Union Scorecard

GRAND JUNCTION

Charter #11718 · CO

100M-500M
1070 CUs in 100M-500M nationally 26 in CO

GRAND JUNCTION has 6 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

  • + Organic Growth Leader: Top 50.0% in tier
  • + Organic Growth Engine: Top 50.0% in tier
  • + Emerging Performer: Top 50.0% in tier
  • + Strong member growth: 6.0% YoY
  • + Net Worth Ratio: Top 3.3% in tier
  • + Member Growth Rate: Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 50.0% in tier
  • - Cost Spiral: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - ROA 0.07% below tier average
  • - Efficiency ratio 0.84% above tier (higher cost structure)
  • - Total Deposits: Bottom 6.4% in tier
  • - AMR Growth Rate: Bottom 7.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 6,909
+6.0% YoY+0.8% QoQ
 -8.2K 15,145
-2.5% YoY
 45,987
+29.5% YoY
 33,913
+5.7% YoY
 Bottom 10.7% in tier
Assets $114.2M
+4.6% YoY+1.9% QoQ
 $-117.5M $231.7M
+0.8% YoY
 $896.2M
+38.1% YoY
 $578.3M
+9.0% YoY
 Bottom 9.8% in tier
Loans $55.1M
-0.8% YoY+0.8% QoQ
 $-89.0M $144.1M
+0.2% YoY
 $687.4M
+35.9% YoY
 $402.4M
+8.7% YoY
 Bottom 8.7% in tier
Deposits $94.3M
+4.2% YoY+2.1% QoQ
 $-106.8M $201.1M
+0.4% YoY
 $753.9M
+36.7% YoY
 $494.3M
+9.1% YoY
 Bottom 6.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
-55.5% YoY-43.7% QoQ
 -0.1% 0.7%
+5.1% YoY
 0.5%
+3.7% YoY
 0.4%
-39.2% YoY
 48%
NIM 2.9%
-16.1% YoY-11.2% QoQ
 -0.7% 3.6%
+4.6% YoY
 3.5%
+0.5% YoY
 3.8%
+4.1% YoY
 Bottom 11.7% in tier
Efficiency Ratio 78.9%
+20.3% YoY+21.4% QoQ
 +0.8% 78.0%
-1.7% YoY
 80.2%
-2.9% YoY
 84.6%
+2.8% YoY
 51%
Delinquency Rate 0.8%
+32.6% YoY-5.1% QoQ
 +0.0 0.8%
+7.1% YoY
 1.0%
+37.3% YoY
 1.2%
+3.4% YoY
 66%
Loan To Share 58.4%
-4.8% YoY-1.2% QoQ
 -12.0% 70.4%
-0.4% YoY
 71.5%
-0.6% YoY
 65.6%
-1.4% YoY
 24%
AMR $21,634
-3.4% YoY+0.8% QoQ
 $-3K $24,918
+2.7% YoY
 $24,339
+6.3% YoY
 $19,920
+1.6% YoY
 42%
CD Concentration 27.8%
+17.2% YoY+4.3% QoQ
 +3.5% 24.3% 26.7% 19.8% 50%
Indirect Auto % 0.1%
-66.3% YoY-36.4% QoQ
 -13.7% 13.8% 12.4% 7.7% 50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#56 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.95%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.14%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth
#113 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.95%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.66%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 0.14%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth
#91 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.66%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Member Growth (YoY): 5.95%
(Tier: 0.72%, National: 10.19%)
better than tier avg
157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally
→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Liquidity Overhang

risk
#29 of 126 • 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: 19.66%
(Tier: 11.91%, National: 14.35%)
but better than tier avg
Loan-to-Share Ratio: 58.42%
(Tier: 72.31%, National: 65.58%)
worse than tier avg
126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally
↑ Growing +19 CUs YoY

Cost Spiral

risk
#31 of 83 • 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: 13.32% points
(Tier: -1.19% points, National: 2.52% points)
worse than tier avg
Efficiency Ratio (Prior Year): 51.82%
(Tier: 60.69%, National: 64.04%)
but better than tier avg
83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally
→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#92 of 238 • Bottom 50.0% in tier

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

Why This Signature
AMR Growth (YoY): -3.44%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#333 of 727 • 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): 0.20% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 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)

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

36
Net Worth Ratio
risk
Value: 19.66%
Peer Median: 11.45%
#36 of 1070 Top 3.3% in 100M-500M tier
82
Member Growth Rate
growth
Value: 5.95%
Peer Median: -0.06%
#82 of 1070 Top 7.6% in 100M-500M tier

Top Weaknesses (8 metrics)

1002
Total Deposits
balance_sheet
Value: $94.35M
Peer Median: $171.29M
#1002 of 1070 Bottom 6.4% in 100M-500M tier
992
AMR Growth Rate
growth
Value: -3.44%
Peer Median: 3.46%
#992 of 1070 Bottom 7.4% in 100M-500M tier
977
Total Loans
balance_sheet
Value: $55.12M
Peer Median: $121.41M
#977 of 1070 Bottom 8.8% in 100M-500M tier
966
Fee Income Per Member
profitability
Value: $79.68
Peer Median: $154.95
#966 of 1070 Bottom 9.8% in 100M-500M tier
965
Total Assets
balance_sheet
Value: $114.17M
Peer Median: $196.57M
#965 of 1070 Bottom 9.9% in 100M-500M tier
955
Total Members
engagement
Value: 6,909
Peer Median: 13,200
#955 of 1070 Bottom 10.8% in 100M-500M tier
945
Net Interest Margin (NIM)
profitability
Value: 2.90%
Peer Median: 3.62%
#945 of 1070 Bottom 11.8% in 100M-500M tier
815
Loan-to-Share Ratio
balance_sheet
Value: 58.42%
Peer Median: 71.88%
#815 of 1070 Bottom 23.9% in 100M-500M tier
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