AURORA

Charter #18574 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in CO

AURORA has 4 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 7.2% in tier
  • + Relationship Depth Leader: Top 8.3% in tier
  • + Net Interest Margin 0.49% above tier average
  • + Net Worth Ratio: Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 4.2% in tier
  • - Liquidity Overhang: Bottom 4.5% in tier
  • - Credit Quality Pressure: Bottom 8.0% in tier
  • - ROA 0.94% below tier average
  • - Delinquency rate 0.90% above tier average
  • - Net Charge-Off Rate: Bottom 1.8% in tier
  • - Total Delinquency Rate (60+ days): Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 7,462
+0.5% YoY-0.0% QoQ
 -8.2K 15,628
-3.4% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 Bottom 13.4% in tier
Assets $134.3M
+6.7% YoY-1.4% QoQ
 $-97.0M $231.3M
-0.0% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 Bottom 22.6% in tier
Loans $72.4M
+9.3% YoY-2.3% QoQ
 $-75.4M $147.8M
-1.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 Bottom 17.1% in tier
Deposits $109.7M
+8.1% YoY-1.7% QoQ
 $-90.6M $200.3M
-0.0% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 Bottom 17.8% in tier
ROA -0.1%
-119.5% YoY-29.0% QoQ
 -0.9% 0.8%
+15.5% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Bottom 5.2% in tier
NIM 4.1%
+5.1% YoY+6.4% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 Top 22.7% in tier
Efficiency Ratio 75.3%
+0.1% YoY+1.9% QoQ
 -2.0% 77.3%
-3.0% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 43rd in tier
Delinquency Rate 1.8%
+27.5% YoY+18.5% QoQ
 +0.9 0.9%
+7.6% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 Top 9.9% in tier
Loan To Share 66.0%
+1.1% YoY-0.6% QoQ
 -6.7% 72.7%
-1.5% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 32nd in tier
AMR $24,405
+8.0% YoY-1.9% QoQ
 +$41 $24,363
+2.9% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 61st in tier
CD Concentration 26.7%
+47.0% YoY+6.0% QoQ
 +2.3% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 4.6%
+1005.7% YoY+488.7% QoQ
 -9.3% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#200 of 1006 • Top 7.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.03%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#230 of 1006 • Top 8.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 8.03%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (3)

Growth-at-Risk

risk
#64 of 446 • Bottom 4.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.28%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.38% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Liquidity Overhang

risk
#70 of 552 • Bottom 4.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 18.10%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 66.04%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#199 of 736 • Bottom 8.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.38% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY

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)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

54
Net Worth Ratio
risk
Value: 18.10%
Peer Avg: 12.15%
#54 of 1077 Top 4.9% in 100M-500M tier
156
AMR Growth Rate
growth
Value: 8.03%
Peer Avg: 3.64%
#156 of 1077 Top 14.4% in 100M-500M tier
188
Loan Growth Rate
growth
Value: 9.28%
Peer Avg: 3.45%
#188 of 1077 Top 17.4% in 100M-500M tier
216
Deposit Growth Rate
growth
Value: 8.05%
Peer Avg: 4.69%
#216 of 1077 Top 20.0% in 100M-500M tier
244
Net Interest Margin (NIM)
profitability
Value: 4.08%
Peer Avg: 3.58%
#244 of 1077 Top 22.6% in 100M-500M tier

Top Weaknesses (8 metrics)

1059
Net Charge-Off Rate
risk
Value: 1.90%
Peer Avg: 0.47%
#1059 of 1077 Bottom 1.8% in 100M-500M tier
1021
Return on Assets (ROA)
profitability
Value: -0.15%
Peer Avg: 0.79%
#1021 of 1077 Bottom 5.3% in 100M-500M tier
971
Total Delinquency Rate (60+ days)
risk
Value: 1.76%
Peer Avg: 0.86%
#971 of 1077 Bottom 9.9% in 100M-500M tier
933
Total Members
engagement
Value: 7,462
Peer Avg: 15,628
#933 of 1077 Bottom 13.5% in 100M-500M tier
893
Total Loans
balance_sheet
Value: $72.43M
Peer Avg: $147.80M
#893 of 1077 Bottom 17.2% in 100M-500M tier
885
Total Deposits
balance_sheet
Value: $109.67M
Peer Avg: $200.29M
#885 of 1077 Bottom 17.9% in 100M-500M tier
841
Fee Income Per Member
profitability
Value: $114.14
Peer Avg: $174.31
#841 of 1077 Bottom 22.0% in 100M-500M tier
834
Total Assets
balance_sheet
Value: $134.29M
Peer Avg: $231.30M
#834 of 1077 Bottom 22.7% in 100M-500M tier