CREDIT UNION OF COLORADO, A

Charter #24854 | CO

1B-3B (304 CUs) Mid-Market (380 CUs)
3 1B-3B in CO

CREDIT UNION OF COLORADO, A has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.5% in tier
  • + Relationship Depth Leader: Top 7.3% in tier
  • + Net Interest Margin 0.57% above tier average
  • + Total Members: Top 6.6% in tier
  • + Total Deposits: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 9.6% in tier
  • - Stagnation Risk: Bottom 19.2% in tier
  • - Indirect Auto Dependency: Bottom 24.7% in tier
  • - ROA 0.32% below tier average
  • - Member decline: -4.3% YoY
  • - Asset Growth Rate: Bottom 2.0% in tier
  • - Member Growth Rate: Bottom 8.2% in tier
  • - Net Charge-Off Rate: 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 167,990
-4.3% YoY+0.1% QoQ
 +69.3K 98,678
-1.9% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 Top 6.9% in tier
Assets $2.6B
-10.1% YoY+1.2% QoQ
 +$863.2M $1.7B
+0.5% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 Top 11.2% in tier
Loans $1.7B
+2.8% YoY+1.4% QoQ
 +$488.2M $1.2B
+0.5% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 Top 18.4% in tier
Deposits $2.3B
+4.5% YoY+0.8% QoQ
 +$845.5M $1.5B
+1.3% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 Top 7.2% in tier
ROA 0.4%
-60.6% YoY+77.5% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 Bottom 21.7% in tier
NIM 3.8%
+20.8% YoY+1.1% QoQ
 +0.6% 3.3%
+9.3% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 Top 16.4% in tier
Efficiency Ratio 69.2%
+8.6% YoY-0.8% QoQ
 -4.7% 74.0%
-10.9% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 0.6%
-38.7% YoY-8.2% QoQ
 -0.2 0.8%
+6.1% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 46th in tier
Loan To Share 74.8%
-1.6% YoY+0.6% QoQ
 -10.4% 85.2%
-0.8% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 Bottom 21.7% in tier
AMR $23,937
+8.4% YoY+1.0% QoQ
 $-5K $29,172
+2.8% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 28th in tier
CD Concentration 22.2%
-5.3% YoY+1.7% QoQ
 -6.8% 29.0%
+0.8% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 Bottom 20.1% in tier
Indirect Auto % 29.9%
+2.0% YoY+0.1% QoQ
 +11.1% 18.8%
-2.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 Top 24.8% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#48 of 264 • Top 6.5% in tier

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

Why This Signature
AMR Growth (YoY): 8.42%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#54 of 264 • Top 7.3% in tier

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

Why This Signature
AMR Growth (YoY): 8.42%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline
#24 of 85 • Bottom 9.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.29%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#47 of 85 • Bottom 19.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.39%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.29%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.9K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 22.15%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#153 of 202 • Bottom 24.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -10.07%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 29.88%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -4.29%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (8 metrics)

21
Total Members
engagement
Value: 167,990
Peer Avg: 98,678
#21 of 304 Top 6.6% in 1B-3B tier
22
Total Deposits
balance_sheet
Value: $2.30B
Peer Avg: $1.45B
#22 of 304 Top 6.9% in 1B-3B tier
34
Total Assets
balance_sheet
Value: $2.58B
Peer Avg: $1.72B
#34 of 304 Top 10.9% in 1B-3B tier
41
AMR Growth Rate
growth
Value: 8.42%
Peer Avg: 3.29%
#41 of 304 Top 13.2% in 1B-3B tier
50
Net Interest Margin (NIM)
profitability
Value: 3.84%
Peer Avg: 3.26%
#50 of 304 Top 16.1% in 1B-3B tier
56
Total Loans
balance_sheet
Value: $1.72B
Peer Avg: $1.23B
#56 of 304 Top 18.1% in 1B-3B tier
66
Share Certificate Concentration (%)
balance_sheet
Value: 22.15%
Peer Avg: 28.53%
#66 of 304 Top 21.4% in 1B-3B tier
77
Members Per Employee (MPE)
engagement
Value: 407.743
Peer Avg: 364.953
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (7 metrics)

299
Asset Growth Rate
growth
Value: -10.07%
Peer Avg: 4.83%
#299 of 304 Bottom 2.0% in 1B-3B tier
280
Member Growth Rate
growth
Value: -4.29%
Peer Avg: 2.20%
#280 of 304 Bottom 8.2% in 1B-3B tier
275
Net Charge-Off Rate
risk
Value: 1.13%
Peer Avg: 0.60%
#275 of 304 Bottom 9.9% in 1B-3B tier
244
Loan-to-Member Ratio (LMR)
engagement
Value: $10,246
Peer Avg: $13,213
#244 of 304 Bottom 20.1% in 1B-3B tier
238
Return on Assets (ROA)
profitability
Value: 0.39%
Peer Avg: 0.70%
#238 of 304 Bottom 22.0% in 1B-3B tier
238
Loan-to-Share Ratio
balance_sheet
Value: 74.84%
Peer Avg: 85.19%
#238 of 304 Bottom 22.0% in 1B-3B tier
233
Indirect Auto Concentration (%)
balance_sheet
Value: 29.88%
Peer Avg: 18.32%
#233 of 304 Bottom 23.7% in 1B-3B tier