BlastPoint's Credit Union Scorecard
CREDIT UNION OF COLORADO, A
Charter #24854 · CO
CREDIT UNION OF COLORADO, A has 4 strengths but faces 7 concerns
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 31.2% in tier
- + Net Interest Margin 0.56% above tier average
- + Total Deposits: Top 5.3% in tier
- + Total Members: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 29.8% in tier
- - Indirect Auto Dependency: Bottom 30.3% in tier
- - Stagnation Risk: Bottom 53.6% in tier
- - ROA 0.16% below tier average
- - Member decline: -4.3% YoY
- - Member Growth Rate: Bottom 8.9% in tier
- - Net Charge-Off Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
168,239
-4.3% YoY+0.1% QoQ
|
+70.8K |
97,431
-2.4% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
Top 5.6% in tier |
| Assets |
$2.6B
+5.1% YoY+2.0% QoQ
|
+$910.2M |
$1.7B
+0.9% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 10.6% in tier |
| Loans |
$1.8B
+4.8% YoY+2.5% QoQ
|
+$530.0M |
$1.2B
+0.5% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$2.3B
+4.7% YoY+1.7% QoQ
|
+$879.7M |
$1.5B
+0.9% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 5.6% in tier |
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| ROA |
0.5%
-44.3% YoY+34.2% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
3.8%
+12.3% YoY-0.2% QoQ
|
+0.6% |
3.3%
+9.2% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
69.8%
+6.4% YoY+0.8% QoQ
|
-4.3% |
74.1%
-9.5% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.7%
-30.0% YoY+17.5% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
75.4%
+0.1% YoY+0.8% QoQ
|
-9.4% |
84.8%
-0.8% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$24,391
+9.4% YoY+1.9% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
22.2%
-4.6% YoY-0.0% QoQ
|
-6.9% | 29.0% | 26.2% | 19.8% | 21% |
| Indirect Auto % |
31.0%
+5.4% YoY+3.9% QoQ
|
+12.7% | 18.3% | 12.2% | 7.8% | 78% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)