PARTNER COLORADO

Charter #62903 | CO

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in CO

PARTNER COLORADO has 3 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.1% in tier
  • + Wallet Share Momentum: Top 12.3% in tier
  • + Organic Growth Engine: Top 32.4% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 7.4% in tier
  • - Efficiency Drag: Bottom 11.3% in tier
  • - ROA 0.22% below tier average
  • - Efficiency ratio 3.05% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 34,196
+1.0% YoY+1.4% QoQ
 -5.6K 39,752
-2.7% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 34th in tier
Assets $619.1M
+4.7% YoY+3.1% QoQ
 $-3.2M $622.4M
+0.3% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 48th in tier
Loans $425.5M
+2.8% YoY+1.7% QoQ
 $-10.5M $435.9M
-0.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 42nd in tier
Deposits $537.7M
+11.3% YoY+3.2% QoQ
 $-282K $538.0M
+1.3% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 50th in tier
ROA 0.4%
-2.0% YoY+19.2% QoQ
 -0.2% 0.7%
+33.9% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 37th in tier
NIM 2.8%
+30.5% YoY+0.9% QoQ
 -0.6% 3.4%
+8.6% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 Bottom 14.2% in tier
Efficiency Ratio 81.1%
+9.3% YoY-1.8% QoQ
 +3.0% 78.1%
-3.4% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 65th in tier
Delinquency Rate 0.7%
-0.5% YoY+12.3% QoQ
 -0.1 0.8%
-4.9% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 52nd in tier
Loan To Share 79.1%
-7.6% YoY-1.5% QoQ
 -1.9% 81.0%
-1.8% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 38th in tier
AMR $28,167
+6.3% YoY+1.2% QoQ
 +$2K $26,482
+2.6% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 68th in tier
CD Concentration 26.6%
+6.6% YoY-0.4% QoQ
 +2.2% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 58th in tier
Indirect Auto % 41.1%
+0.6% YoY-1.5% QoQ
 +27.1% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 Top 8.3% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#87 of 1006 • Top 3.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.5K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#341 of 1006 • Top 12.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#595 of 603 • Top 32.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.03%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.44%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 41.10%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#120 of 525 • Bottom 7.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.69%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 41.10%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.03%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk
#201 of 521 • Bottom 11.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.14%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.01% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.03%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

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)

Comparing against 169 peers in tier

Top Strengths (2 metrics)

19
Deposit Growth Rate
growth
Value: 11.26%
Peer Avg: 5.25%
#19 of 169 Top 10.7% in 500M-750M tier
21
First Mortgage Concentration (%)
balance_sheet
Value: 15.53%
Peer Avg: 33.53%
#21 of 169 Top 11.8% in 500M-750M tier

Top Weaknesses (2 metrics)

156
Indirect Auto Concentration (%)
balance_sheet
Value: 41.10%
Peer Avg: 16.19%
#156 of 169 Bottom 8.3% in 500M-750M tier
145
Net Interest Margin (NIM)
profitability
Value: 2.84%
Peer Avg: 3.43%
#145 of 169 Bottom 14.8% in 500M-750M tier