BlastPoint's Credit Union Scorecard
CO-NE
Charter #17250 · CO
CO-NE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.13% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Efficiency ratio 28.57% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Net Worth Ratio: Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
685
-3.5% YoY-1.4% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$4.6M
+0.5% YoY+1.4% QoQ
|
$-25.6M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$2.8M
-0.9% YoY+0.6% QoQ
|
$-13.0M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$4.2M
+1.4% YoY+1.9% QoQ
|
$-21.5M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
-0.8%
-5.3% YoY+1.5% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.9% in tier |
| NIM |
4.1%
+14.8% YoY+4.9% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
111.1%
-5.1% YoY+1.0% QoQ
|
+28.6% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
Top 6.1% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
66.0%
-2.3% YoY-1.2% QoQ
|
+5.4% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$10,170
+4.2% YoY+2.9% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
26.6%
+11.0% YoY-4.5% QoQ
|
+2.1% | 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)