BlastPoint's Credit Union Scorecard
RIO BLANCO SCHOOLS
Charter #13161 · CO
RIO BLANCO SCHOOLS has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.5% in tier
- + Asset Growth Rate: Top 3.1% in tier
- + AMR Growth Rate: Top 4.4% in tier
- + Loan Growth Rate: Top 4.6% in tier
- + Net Charge-Off Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Efficiency ratio 0.43% above tier (higher cost structure)
- - Delinquency rate 0.48% above tier average
- - Share Certificate Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
775
+2.2% YoY-0.1% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$9.1M
+15.1% YoY+3.9% QoQ
|
$-21.1M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$4.6M
+17.4% YoY+8.7% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$7.5M
+18.1% YoY+4.8% QoQ
|
$-18.2M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.6%
-22.7% YoY-18.2% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.4%
-12.9% YoY-3.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
83.0%
+6.2% YoY+2.9% QoQ
|
+0.4% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
2.0%
+413.0% YoY+1730.8% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
61.7%
-0.6% YoY+3.7% QoQ
|
+1.1% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$15,706
+15.3% YoY+6.4% QoQ
|
+$923 |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
38.3%
+14.8% YoY-1.1% QoQ
|
+13.9% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)