BlastPoint's Credit Union Scorecard
AURORA
Charter #18574 · CO
AURORA has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 49.0% in tier
- + Net Interest Margin 0.42% above tier average
- + Net Worth Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.6% in tier
- - Credit Risk Growth: Bottom 31.2% in tier
- - Liquidity Overhang: Bottom 40.3% in tier
- - ROA 1.07% below tier average
- - Delinquency rate 1.16% above tier average
- - Net Charge-Off Rate: Bottom 3.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,420
+0.0% YoY-0.6% QoQ
|
-8.0K |
15,437
-2.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
Bottom 13.6% in tier |
| Assets |
$134.9M
+8.0% YoY+0.5% QoQ
|
$-97.0M |
$231.9M
+1.3% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$70.5M
+4.0% YoY-2.7% QoQ
|
$-76.9M |
$147.3M
-0.1% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$110.5M
+10.4% YoY+0.8% QoQ
|
$-90.3M |
$200.8M
+0.8% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
-0.3%
-138.7% YoY+105.3% QoQ
|
-1.1% |
0.8%
+18.2% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.6% in tier |
| NIM |
4.0%
+3.2% YoY-1.2% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
76.3%
+0.9% YoY+1.3% QoQ
|
-0.7% |
77.0%
-3.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
2.1%
+40.6% YoY+16.7% QoQ
|
+1.2 |
0.9%
+4.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 6.9% in tier |
| Loan To Share |
63.7%
-5.9% YoY-3.5% QoQ
|
-8.5% |
72.2%
-1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$24,392
+7.8% YoY-0.1% QoQ
|
$-284 |
$24,676
+3.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
26.3%
+40.0% YoY-1.3% QoQ
|
+1.9% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
6.8%
+1173.1% YoY+46.9% QoQ
|
-7.0% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)