BlastPoint's Credit Union Scorecard
CO-NE
Charter #17250 · CO
CO-NE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.29% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency ratio 22.57% above tier (higher cost structure)
- - Member decline: -4.0% YoY
- - Net Worth Ratio: Bottom 5.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
677
-4.0% YoY-1.2% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$4.5M
+2.8% YoY-2.2% QoQ
|
$-25.7M |
$30.2M
+1.3% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$2.6M
-5.7% YoY-7.0% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$4.1M
+3.6% YoY-2.3% QoQ
|
$-21.7M |
$25.8M
+0.7% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
-0.6%
-42.1% YoY-17.1% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.5% in tier |
| NIM |
4.3%
+14.5% YoY+5.2% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
113.2%
-9.4% YoY+1.9% QoQ
|
+22.6% |
90.6%
+6.5% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
62.8%
-9.0% YoY-4.9% QoQ
|
+4.3% |
58.5%
-3.0% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$9,864
+4.0% YoY-3.0% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
27.4%
+16.5% YoY+3.1% QoQ
|
+3.1% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.4% | 7.7% | 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)