BlastPoint's Credit Union Scorecard
RIO GRANDE
Charter #3963 · CO
RIO GRANDE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Total Assets: Top 7.5% in tier
- + Efficiency Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.0% YoY
- - Indirect Auto Concentration (%): Bottom 7.9% in tier
- - First Mortgage Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,927
-2.0% YoY-0.5% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Top 14.6% in tier |
| Assets |
$80.1M
+6.6% YoY+3.2% QoQ
|
+$50.2M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Top 7.5% in tier |
| Loans |
$28.9M
-8.1% YoY-2.6% QoQ
|
+$13.2M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$63.2M
+5.9% YoY+3.5% QoQ
|
+$37.7M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Top 10.1% in tier |
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| ROA |
1.8%
-12.9% YoY-4.1% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Top 13.4% in tier |
| NIM |
3.3%
-1.4% YoY-1.7% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
54.3%
+7.0% YoY+2.4% QoQ
|
-27.1% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate |
0.1%
+45.9% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
45.8%
-13.3% YoY-5.9% QoQ
|
-15.4% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$18,695
+3.2% YoY+2.0% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
23.2%
+4.5% YoY-0.8% QoQ
|
-1.2% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.3%
-12.5% YoY+0.8% QoQ
|
-0.7% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)