BlastPoint's Credit Union Scorecard

RIO GRANDE

Charter #3963 · CO

2556 CUs in <100M nationally 29 in CO

RIO GRANDE 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 1.15% above tier average
+ Efficiency Ratio: Top 6.3% in tier
+ Total Assets: Top 7.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 8.0% in tier
- First Mortgage Concentration (%): Bottom 8.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	5,064 +2.0% YoY+2.8% QoQ	+2.4K	2,615 -1.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	Top 13.3% in tier
Assets	$80.3M +4.3% YoY+0.2% QoQ	+$50.1M	$30.1M +2.1% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	Top 7.6% in tier
Loans	$28.6M -8.2% YoY-1.1% QoQ	+$12.9M	$15.8M -1.3% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	81%
Deposits	$62.9M +3.0% YoY-0.5% QoQ	+$37.2M	$25.7M +1.4% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	Top 10.6% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.8% -9.9% YoY+1.0% QoQ	+1.2%	0.6% +10.8% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	Top 10.4% in tier
NIM	3.3% -1.6% YoY-0.6% QoQ	-0.6%	4.0% +4.0% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	29%
Efficiency Ratio	53.3% +4.0% YoY-1.8% QoQ	-29.3%	82.6% -2.3% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	Bottom 6.3% in tier
Delinquency Rate	0.1% +42.8% QoQ	-1.5	1.6% -3.1% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	17%
Loan To Share	45.5% -10.9% YoY-0.6% QoQ	-15.1%	60.6% -3.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	27%
AMR	$18,067 -2.8% YoY-3.4% QoQ	+$3K	$14,783 -1.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	70%
CD Concentration	24.1% +8.8% YoY+3.5% QoQ	-0.4%	24.4%	26.2%	19.8%	50%
Indirect Auto %	12.5% -13.2% YoY-6.3% QoQ	-1.3%	13.8%	12.2%	7.8%	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 2556 peers in tier

Top Strengths (10 metrics)

162

Efficiency Ratio

profitability

Value: 53.27%

Peer Median: -

#162 of 2556 Top 6.3% in <100M tier

194

Total Assets

balance_sheet

Value: $80.28M

Peer Median: -

#194 of 2556 Top 7.6% in <100M tier

265

Return on Assets (ROA)

profitability

Value: 1.77%

Peer Median: -

#265 of 2556 Top 10.3% in <100M tier

272

Total Deposits

balance_sheet

Value: $62.87M

Peer Median: -

#272 of 2556 Top 10.6% in <100M tier

339

Total Members

engagement

Value: 5,064

Peer Median: -

#339 of 2556 Top 13.2% in <100M tier

424

Member Growth Rate

growth

Value: 1.97%

Peer Median: -

#424 of 2556 Top 16.5% in <100M tier

447

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: -

#447 of 2556 Top 17.4% in <100M tier

471

Net Worth Ratio

risk

Value: 21.27%

Peer Median: -

#471 of 2556 Top 18.4% in <100M tier

486

Members Per Employee (MPE)

engagement

Value: 460.364

Peer Median: -

#486 of 2556 Top 19.0% in <100M tier

491

Total Loans

balance_sheet

Value: $28.63M

Peer Median: -

#491 of 2556 Top 19.2% in <100M tier

Top Weaknesses (3 metrics)

2353

Indirect Auto Concentration (%)

balance_sheet

Value: 12.46%

Peer Median: -

#2353 of 2556 Bottom 8.0% in <100M tier

2332

First Mortgage Concentration (%)

balance_sheet

Value: 47.60%

Peer Median: -

#2332 of 2556 Bottom 8.8% in <100M tier

1933

AMR Growth Rate

growth

Value: -2.75%

Peer Median: -

#1933 of 2556 Bottom 24.4% in <100M tier