BlastPoint's Credit Union Scorecard
GRAND JUNCTION
Charter #11718 · CO
GRAND JUNCTION has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.8% in tier
- + Organic Growth Leader: Top 27.5% in tier
- + Emerging Performer: Top 31.5% in tier
- + ROA 0.41% above tier average
- + Net Worth Ratio: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 17.2% in tier
- - Shrinking Wallet Share: Bottom 64.2% in tier
- - Total Deposits: Bottom 5.1% in tier
- - Total Loans: Bottom 7.5% in tier
- - Total Assets: Bottom 8.0% in tier
- - Fee Income Per Member: Bottom 9.8% in tier
- - Total Members: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,851
+4.2% YoY-0.6% QoQ
|
-8.6K |
15,437
-2.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
Bottom 9.7% in tier |
| Assets |
$112.1M
+6.1% YoY+2.7% QoQ
|
$-119.8M |
$231.9M
+1.3% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.9% in tier |
| Loans |
$54.7M
-3.3% YoY-0.5% QoQ
|
$-92.7M |
$147.3M
-0.1% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.4% in tier |
| Deposits |
$92.4M
+5.9% YoY+3.0% QoQ
|
$-108.4M |
$200.8M
+0.8% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.0% in tier |
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| ROA |
1.2%
+31.6% YoY-9.7% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
3.3%
-4.3% YoY-2.7% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
65.0%
-17.7% YoY+6.1% QoQ
|
-12.0% |
77.0%
-3.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
15% |
| Delinquency Rate |
0.8%
-47.0% YoY-43.2% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
59.1%
-8.7% YoY-3.5% QoQ
|
-13.1% |
72.2%
-1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$21,468
-1.9% YoY+2.2% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
26.6%
+18.0% YoY-3.6% QoQ
|
+2.2% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
0.2%
-49.9% YoY-7.3% QoQ
|
-13.6% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (3)
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.
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 (2)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)