BlastPoint's Credit Union Scorecard
METRUM COMMUNITY
Charter #62422 · CO
METRUM COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Total Delinquency Rate (60+ days): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 4.53% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.8% in tier
- - Share Certificate Concentration (%): Bottom 4.7% in tier
- - Total Members: Bottom 5.9% in tier
- - Total Assets: Bottom 7.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
- Shares and deposits +5.3% year over year ($95.8M in shares and deposits).
- Membership: 5,924 members, +3.3% vs a year ago.
- Delinquency rate 0.15%.
- Return on assets 0.47%.
- Efficiency ratio 81.27% vs a 76.73% peer average.
- Loan-to-share ratio 85.36% vs a 71.54% 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 |
5,924
+3.3% YoY+1.9% QoQ
|
-9.2K |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
Bottom 5.8% in tier |
| Assets |
$111.6M
+5.6% YoY-1.2% QoQ
|
$-120.4M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.6% in tier |
| Loans |
$81.8M
+5.7% YoY+2.2% QoQ
|
$-64.5M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$95.8M
+5.3% YoY-1.6% QoQ
|
$-104.9M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.8% in tier |
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| ROA |
0.5%
-37.5% YoY+56.9% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.6%
+1.5% YoY+1.6% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
81.3%
+7.0% YoY-1.9% QoQ
|
+4.5% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.1%
-37.2% YoY-37.5% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
Top 7.9% in tier |
| Loan To Share |
85.4%
+0.4% YoY+3.9% QoQ
|
+13.8% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$29,981
+2.1% YoY-1.7% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
43.1%
+3.8% YoY+2.1% QoQ
|
+18.5% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
49.0%
+6.5% YoY+3.2% QoQ
|
+35.4% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)