BlastPoint's Credit Union Scorecard
RIO GRANDE
Charter #3963 · CO
RIO GRANDE has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Efficiency Ratio: Top 5.9% in tier
- + Total Assets: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 8.0% in tier
- - First Mortgage Concentration (%): Bottom 8.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Colorado.
- Shares and deposits +2.9% year over year ($62.8M in shares and deposits).
- Membership: 4,905 members, -0.9% vs a year ago.
- Delinquency rate 0.03%.
- Return on assets 1.70%.
- Efficiency ratio 52.64% vs a 88.77% peer average.
- Loan-to-share ratio 44.37% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,905
-0.9% YoY-0.1% QoQ
|
+2.3K |
2,585
-1.7% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
Top 14.0% in tier |
| Assets |
$80.8M
+4.1% YoY-1.1% QoQ
|
+$50.5M |
$30.3M
+1.5% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
Top 7.4% in tier |
| Loans |
$27.9M
-6.2% YoY-1.8% QoQ
|
+$12.4M |
$15.5M
-1.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$62.8M
+2.9% YoY-1.9% QoQ
|
+$37.0M |
$25.8M
+1.1% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
Top 10.8% in tier |
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| ROA |
1.7%
-7.3% YoY+4.4% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
85% |
| NIM |
3.2%
-4.5% YoY+2.4% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
52.6%
-0.6% YoY-2.6% QoQ
|
-36.1% |
88.8%
-6.9% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
0.0%
-91.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
15% |
| Loan To Share |
44.4%
-8.9% YoY+0.1% QoQ
|
-14.5% |
58.9%
-3.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$18,490
+0.9% YoY-1.8% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
25.3%
+8.2% YoY+4.3% QoQ
|
+0.8% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
11.2%
-15.1% YoY-1.7% QoQ
|
-2.4% | 13.6% | 12.3% | 7.7% | 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)