BlastPoint's Credit Union Scorecard

DELTA COUNTY

Charter #24381 · CO

<100M

2508 CUs in <100M nationally 25 in CO

DELTA COUNTY has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.84% above tier average
+ Total Deposits: Top 9.4% in tier

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 3.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	4,327 -1.0% YoY-0.1% QoQ	+1.7K	2,676 +1.6% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	82%
Assets	$72.3M -2.2% YoY-2.5% QoQ	+$42.1M	$30.2M +1.3% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	Top 11.2% in tier
Loans	$22.2M -1.2% YoY-3.7% QoQ	+$7.0M	$15.3M -2.0% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	74%
Deposits	$64.8M -3.4% YoY-3.1% QoQ	+$39.0M	$25.8M +0.7% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	Top 9.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -4.3% YoY+21.4% QoQ	+0.8%	0.1% -77.6% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	68%
NIM	2.8% +35.8% YoY+19.9% QoQ	-1.2%	4.0% +4.0% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	Bottom 13.4% in tier
Efficiency Ratio	71.1% +2.6% YoY-4.1% QoQ	-19.6%	90.6% +6.5% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	27%
Delinquency Rate	1.3% +177.3% YoY+64.1% QoQ	-0.2	1.5% +3.8% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	71%
Loan To Share	34.3% +2.2% YoY-0.6% QoQ	-24.2%	58.5% -3.0% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	15%
AMR	$20,120 -1.9% YoY-3.1% QoQ	+$5K	$14,884 -1.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	78%
CD Concentration	14.1% -8.7% YoY-0.8% QoQ	-10.2%	24.3%	26.7%	19.8%	50%
Indirect Auto %	2.4% -13.6% YoY+4.2% QoQ	-11.4%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

237

Total Deposits

balance_sheet

Value: $64.81M

Peer Median: $18.77M

#237 of 2508 Top 9.4% in <100M tier

282

Total Assets

balance_sheet

Value: $72.26M

Peer Median: $21.86M

#282 of 2508 Top 11.2% in <100M tier

458

Total Members

engagement

Value: 4,327

Peer Median: 1,918

#458 of 2508 Top 18.2% in <100M tier

542

Average Member Relationship (AMR)

engagement

Value: $20,120

Peer Median: $13,926

#542 of 2508 Top 21.6% in <100M tier

Top Weaknesses (5 metrics)

2425

First Mortgage Concentration (%)

balance_sheet

Value: 62.15%

Peer Median: 3.66%

#2425 of 2508 Bottom 3.3% in <100M tier

2198

Indirect Auto Concentration (%)

balance_sheet

Value: 2.45%

Peer Median: 0.00%

#2198 of 2508 Bottom 12.4% in <100M tier

2171

Net Interest Margin (NIM)

profitability

Value: 2.80%

Peer Median: 3.83%

#2171 of 2508 Bottom 13.5% in <100M tier

2123

Loan-to-Share Ratio

balance_sheet

Value: 34.32%

Peer Median: 58.72%

#2123 of 2508 Bottom 15.4% in <100M tier

2074

Net Worth Ratio

risk

Value: 9.99%

Peer Median: 14.28%

#2074 of 2508 Bottom 17.3% in <100M tier