BlastPoint's Credit Union Scorecard
AURORA
Charter #18574 · CO
AURORA has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
- Shares and deposits +3.0% year over year ($115M in shares and deposits).
- Membership: 7,423 members, -0.5% vs a year ago.
- Delinquency rate 3.46%.
- Return on assets 0.59%.
- Efficiency ratio 82.13% vs a 76.73% peer average.
- Loan-to-share ratio 57.85% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,423
-0.5% YoY-0.1% QoQ
|
-7.7K |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
Bottom 14.6% in tier |
| Assets |
$139.7M
+2.6% YoY+0.7% QoQ
|
$-92.3M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$66.5M
-10.3% YoY-3.5% QoQ
|
$-79.8M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.5% in tier |
| Deposits |
$114.9M
+3.0% YoY+0.6% QoQ
|
$-85.8M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
21% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-382.0% YoY-12.0% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.6%
-6.6% YoY+0.3% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
82.1%
+11.1% YoY-2.4% QoQ
|
+5.4% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
3.5%
+133.4% YoY+56.6% QoQ
|
+2.6 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.7% in tier |
| Loan To Share |
57.8%
-13.0% YoY-4.1% QoQ
|
-13.7% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$24,443
-1.8% YoY-0.8% QoQ
|
$-664 |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
28.3%
+12.3% YoY+1.3% QoQ
|
+3.7% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
5.7%
+621.2% YoY-7.1% QoQ
|
-7.9% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (9)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)