BlastPoint's Credit Union Scorecard

PUEBLO GOVERNMENT AGENCIES

Charter #1499 · CO

<100M

2508 CUs in <100M nationally 25 in CO

PUEBLO GOVERNMENT AGENCIES has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.35% above tier average

Key Concerns

Areas that may need attention

- Member decline: -3.8% YoY
- Loan-to-Share Ratio: Bottom 5.9% in tier
- Indirect Auto Concentration (%): Bottom 7.1% in tier
- Loan Growth Rate: Bottom 10.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	2,939 -3.8% YoY-0.8% QoQ	+262	2,676 +1.6% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	67%
Assets	$44.0M +1.4% YoY+2.1% QoQ	+$13.8M	$30.2M +1.3% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	72%
Loans	$8.3M -16.2% YoY-4.1% QoQ	$-7.0M	$15.3M -2.0% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	46%
Deposits	$38.2M +0.1% YoY+2.5% QoQ	+$12.4M	$25.8M +0.7% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	73%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% +22.1% YoY+13.8% QoQ	+1.4%	0.1% -77.6% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	85%
NIM	3.8% +4.3% YoY-2.3% QoQ	-0.3%	4.0% +4.0% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	66.8% -5.0% YoY-2.1% QoQ	-23.8%	90.6% +6.5% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	20%
Delinquency Rate	0.1% -3.5% QoQ	-1.4	1.5% +3.8% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	19%
Loan To Share	21.6% -16.3% YoY-6.4% QoQ	-36.9%	58.5% -3.0% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	Bottom 5.8% in tier
AMR	$15,816 +0.5% YoY+2.1% QoQ	+$932	$14,884 -1.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	60%
CD Concentration	4.4% +14.4% YoY+2.9% QoQ	-19.9%	24.3%	26.7%	19.8%	50%
Indirect Auto %	13.9% -21.8% YoY-5.6% QoQ	+0.0%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

255

Net Charge-Off Rate

risk

Value: -0.09%

Peer Median: 0.07%

#255 of 2508 Top 10.1% in <100M tier

381

Return on Assets (ROA)

profitability

Value: 1.50%

Peer Median: 0.61%

#381 of 2508 Top 15.2% in <100M tier

478

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.65%

#478 of 2508 Top 19.0% in <100M tier

511

Efficiency Ratio

profitability

Value: 66.79%

Peer Median: 81.45%

#511 of 2508 Top 20.3% in <100M tier

575

Fee Income Per Member

profitability

Value: $114.18

Peer Median: $60.42

#575 of 2508 Top 22.9% in <100M tier

Top Weaknesses (5 metrics)

2360

Loan-to-Share Ratio

balance_sheet

Value: 21.62%

Peer Median: 58.72%

#2360 of 2508 Bottom 5.9% in <100M tier

2332

Indirect Auto Concentration (%)

balance_sheet

Value: 13.85%

Peer Median: 0.00%

#2332 of 2508 Bottom 7.1% in <100M tier

2259

Loan Growth Rate

growth

Value: -16.20%

Peer Median: -2.36%

#2259 of 2508 Bottom 10.0% in <100M tier

1944

Loan-to-Member Ratio (LMR)

engagement

Value: $2,812

Peer Median: $4,923

#1944 of 2508 Bottom 22.5% in <100M tier

1885

Member Growth Rate

growth

Value: -3.77%

Peer Median: -1.37%

#1885 of 2508 Bottom 24.9% in <100M tier