BlastPoint's Credit Union Scorecard
PARTNER COLORADO
Charter #62903 · CO
PARTNER COLORADO has 1 strength but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 82.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 36.3% in tier
- - Indirect Auto Dependency: Bottom 58.0% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 7.25% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,667
+4.0% YoY+1.4% QoQ
|
-3.9K |
38,575
-4.8% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$639.0M
+2.5% YoY+3.2% QoQ
|
+$17.3M |
$621.7M
+0.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$430.6M
+7.1% YoY+1.2% QoQ
|
+$772K |
$429.8M
-1.8% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$525.6M
+1.5% YoY-2.3% QoQ
|
$-13.1M |
$538.7M
+0.6% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
0.3%
+8.0% YoY-33.2% QoQ
|
-0.4% |
0.7%
+42.9% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
2.7%
+27.9% YoY-3.6% QoQ
|
-0.7% |
3.4%
+8.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio |
84.8%
+6.6% YoY+4.5% QoQ
|
+7.3% |
77.5%
-4.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.5%
-32.0% YoY-32.7% QoQ
|
-0.4 |
0.8%
-1.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
81.9%
+5.6% YoY+3.5% QoQ
|
+2.1% |
79.8%
-2.3% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$27,581
-0.1% YoY-2.1% QoQ
|
+$732 |
$26,849
+2.7% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
28.0%
+10.5% YoY+5.0% QoQ
|
+3.5% | 24.4% | 26.2% | 19.8% | 63% |
| Indirect Auto % |
41.6%
+3.6% YoY+1.2% QoQ
|
+27.8% | 13.8% | 12.2% | 7.8% | Top 7.7% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)