BlastPoint's Credit Union Scorecard

DELTA COUNTY

Charter #24381 · CO

2596 CUs in <100M nationally 29 in CO

DELTA COUNTY has 3 strengths but faces 2 concerns

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 0.14% above tier average
+ Total Deposits: Top 8.1% in tier
+ Total Assets: Top 9.9% in tier

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 3.7% in tier
- Net Interest Margin (NIM): Bottom 5.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	4,357 -0.7% YoY-0.3% QoQ	+1.7K	2,625 -2.2% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	81%
Assets	$74.4M -0.3% YoY+0.4% QoQ	+$44.6M	$29.9M +1.1% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	Top 9.9% in tier
Loans	$23.2M +0.3% YoY+2.1% QoQ	+$7.4M	$15.8M -2.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	74%
Deposits	$67.4M -1.1% YoY+0.2% QoQ	+$41.9M	$25.5M +0.4% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	Top 8.1% 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	0.8% +261.1% YoY-4.4% QoQ	+0.1%	0.7% -731.4% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	53%
NIM	2.2% +33.0% YoY+5.1% QoQ	-1.7%	3.9% +3.8% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	Bottom 5.0% in tier
Efficiency Ratio	73.7% -18.2% YoY+1.5% QoQ	-7.7%	81.4% -2.4% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	39%
Delinquency Rate	1.3% +552.7% YoY-2.5% QoQ	-0.2	1.5% -2.0% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	69%
Loan To Share	34.5% +1.4% YoY+1.9% QoQ	-26.8%	61.2% -3.0% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	Bottom 13.5% in tier
AMR	$20,793 -0.0% YoY+1.0% QoQ	+$6K	$14,627 -2.7% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	82%
CD Concentration	15.5% -20.2% YoY+3.2% QoQ	-8.9%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	2.3% -36.0% YoY-10.1% QoQ	-11.7%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (5 metrics)

210

Total Deposits

balance_sheet

Value: $67.38M

Peer Avg: -

#210 of 2596 Top 8.1% in <100M tier

258

Total Assets

balance_sheet

Value: $74.43M

Peer Avg: -

#258 of 2596 Top 9.9% in <100M tier

388

Fee Income Per Member

profitability

Value: $148.83

Peer Avg: -

#388 of 2596 Top 14.9% in <100M tier

457

Average Member Relationship (AMR)

engagement

Value: $20,793

Peer Avg: -

#457 of 2596 Top 17.6% in <100M tier

482

Total Members

engagement

Value: 4,357

Peer Avg: -

#482 of 2596 Top 18.5% in <100M tier

Top Weaknesses (5 metrics)

2502

First Mortgage Concentration (%)

balance_sheet

Value: 60.79%

Peer Avg: -

#2502 of 2596 Bottom 3.7% in <100M tier

2467

Net Interest Margin (NIM)

profitability

Value: 2.24%

Peer Avg: -

#2467 of 2596 Bottom 5.0% in <100M tier

2306

Net Worth Ratio

risk

Value: 9.26%

Peer Avg: -

#2306 of 2596 Bottom 11.2% in <100M tier

2256

Indirect Auto Concentration (%)

balance_sheet

Value: 2.26%

Peer Avg: -

#2256 of 2596 Bottom 13.1% in <100M tier

2241

Loan-to-Share Ratio

balance_sheet

Value: 34.46%

Peer Avg: -

#2241 of 2596 Bottom 13.7% in <100M tier