BlastPoint's Credit Union Scorecard
CREDIT UNION OF COLORADO, A
Charter #24854 · CO
CREDIT UNION OF COLORADO, A has 5 strengths but faces 5 concerns
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 22.4% in tier
- + Net Interest Margin 0.50% above tier average
- + Total Members: Top 4.6% in tier
- + Total Deposits: Top 5.9% in tier
- + Total Assets: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 68.9% in tier
- - Membership Headwinds: Bottom 85.8% in tier
- - Stagnation Risk: Bottom 85.8% in tier
- - ROA 0.39% below tier average
- - Member decline: -2.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
169,602
-2.1% YoY+0.8% QoQ
|
+73.6K |
96,048
-2.7% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
Top 4.9% in tier |
| Assets |
$2.7B
+3.2% YoY+1.1% QoQ
|
+$942.2M |
$1.7B
+0.4% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
Top 9.5% in tier |
| Loans |
$1.8B
+6.4% YoY+1.1% QoQ
|
+$570.2M |
$1.2B
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
Top 15.0% in tier |
| Deposits |
$2.4B
+2.6% YoY+1.3% QoQ
|
+$903.1M |
$1.5B
+0.5% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
Top 6.2% in tier |
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| ROA |
0.3%
+21.7% YoY-37.8% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
3.9%
+5.6% YoY+0.7% QoQ
|
+0.5% |
3.4%
+6.2% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
83% |
| Efficiency Ratio |
71.1%
-0.1% YoY+1.9% QoQ
|
-3.5% |
74.6%
-3.0% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
36% |
| Delinquency Rate |
0.7%
-12.5% YoY-10.9% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
75.3%
+3.8% YoY-0.2% QoQ
|
-7.9% |
83.2%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$24,484
+6.4% YoY+0.4% QoQ
|
$-5K |
$29,652
+2.3% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
27% |
| CD Concentration |
21.7%
-0.1% YoY-2.0% QoQ
|
-7.1% | 28.8% | 26.7% | 19.8% | 20% |
| Indirect Auto % |
32.1%
+9.3% YoY+3.4% QoQ
|
+14.0% | 18.1% | 12.4% | 7.7% | 80% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)