BlastPoint's Credit Union Scorecard
PUEBLO GOVERNMENT AGENCIES
Charter #1499 · CO
PUEBLO GOVERNMENT AGENCIES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.3% YoY
- - Loan-to-Share Ratio: Bottom 6.9% in tier
- - Indirect Auto Concentration (%): Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,998
-3.3% YoY-1.0% QoQ
|
+372 |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$42.2M
+2.4% YoY-1.5% QoQ
|
+$12.4M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$9.2M
-14.5% YoY-2.8% QoQ
|
$-6.6M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$36.8M
+2.2% YoY-1.9% QoQ
|
+$11.4M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
73% |
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| ROA |
1.3%
+29.8% YoY+0.8% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
3.8%
+21.1% YoY+3.0% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
67.5%
-9.8% YoY-3.0% QoQ
|
-13.9% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.2%
-53.3% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
24.9%
-16.3% YoY-0.8% QoQ
|
-36.4% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.7% in tier |
| AMR |
$15,339
+1.7% YoY-1.1% QoQ
|
+$712 |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
4.2%
+4.5% YoY-0.0% QoQ
|
-20.2% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
15.9%
-14.1% YoY-7.2% QoQ
|
+1.9% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)