BlastPoint's Credit Union Scorecard
AURORA
Charter #18574 · CO
AURORA has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 6.12% above tier (higher cost structure)
- - Delinquency rate 1.44% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,432
-0.4% YoY+0.2% QoQ
|
-7.7K |
15,145
-2.5% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
Bottom 14.3% in tier |
| Assets |
$138.8M
+2.1% YoY+2.9% QoQ
|
$-92.9M |
$231.7M
+0.8% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$68.9M
-4.6% YoY-2.2% QoQ
|
$-75.3M |
$144.1M
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$114.2M
+2.8% YoY+3.4% QoQ
|
$-86.9M |
$201.1M
+0.4% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
0.7%
+166.1% YoY-320.0% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
3.6%
-8.7% YoY-11.4% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
47% |
| Efficiency Ratio |
84.1%
+5.7% YoY+10.3% QoQ
|
+6.1% |
78.0%
-1.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
2.2%
+145.7% YoY+7.7% QoQ
|
+1.4 |
0.8%
+7.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.6% in tier |
| Loan To Share |
60.3%
-7.3% YoY-5.4% QoQ
|
-10.1% |
70.4%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$24,642
+0.3% YoY+1.0% QoQ
|
$-276 |
$24,918
+2.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
27.9%
+12.5% YoY+5.9% QoQ
|
+3.6% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
6.1%
+770.1% YoY-10.3% QoQ
|
-7.7% | 13.8% | 12.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)