BlastPoint's Credit Union Scorecard
GRAND JUNCTION
Charter #11718 · CO
GRAND JUNCTION has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.6% in tier
- + Organic Growth Leader: Top 24.5% in tier
- + Profitability Leader: Top 67.0% in tier
- + Emerging Performer: Top 74.2% 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
- - Shrinking Wallet Share: Bottom 14.5% in tier
- - Liquidity Overhang: Bottom 18.0% 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 |
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| 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
|
82% |
| 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
|
35% |
| 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
|
24% |
| 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
|
42% |
| 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
|
50% |
| Indirect Auto % |
0.2%
-50.4% YoY-14.2% QoQ
|
-13.7% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)