BlastPoint's Credit Union Scorecard
PUEBLO GOVERNMENT AGENCIES
Charter #1499 · CO
PUEBLO GOVERNMENT AGENCIES has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.5% YoY
- - Loan-to-Share Ratio: Bottom 6.1% in tier
- - Indirect Auto Concentration (%): Bottom 7.3% in tier
- - Loan Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,964
-3.5% YoY-1.1% QoQ
|
+348 |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$43.1M
+3.1% YoY+2.1% QoQ
|
+$13.0M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
72% |
| Loans |
$8.6M
-16.2% YoY-5.9% QoQ
|
$-7.1M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$37.3M
+1.4% YoY+1.3% QoQ
|
+$11.6M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.3%
+26.9% YoY+1.5% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
3.8%
+17.3% YoY+0.7% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
68.3%
-8.1% YoY+1.1% QoQ
|
-14.3% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.1%
+442.0% YoY-67.2% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
23.1%
-17.3% YoY-7.1% QoQ
|
-37.5% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.0% in tier |
| AMR |
$15,492
+1.1% YoY+1.0% QoQ
|
+$710 |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
4.3%
+7.2% YoY+1.9% QoQ
|
-20.1% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
14.7%
+23.3% YoY-7.8% QoQ
|
+0.9% | 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)