BlastPoint's Credit Union Scorecard
PARTNER COLORADO
Charter #62903 · CO
PARTNER COLORADO has 3 strengths but faces 6 concerns
How does the industry compare?
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.3% YoY
- + Member Growth Rate: Top 5.5% in tier
- + First Mortgage Concentration (%): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14.2% in tier
- - Indirect Auto Dependency: Bottom 23.4% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 11.81% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 4.8% in tier
- - Indirect Auto Concentration (%): Bottom 7.9% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 1 that size in Colorado.
- Shares and deposits +8.5% year over year ($565M in shares and deposits).
- Membership: 36,206 members, +7.3% vs a year ago.
- Delinquency rate 0.45%.
- Return on assets 0.37%.
- Efficiency ratio 88.37% vs a 76.56% peer average.
- Loan-to-share ratio 78.87% vs a 79.33% 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 |
36,206
+7.3% YoY+2.7% QoQ
|
-1.7K |
37,897
-5.0% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$643.6M
+7.2% YoY+0.6% QoQ
|
+$21.3M |
$622.4M
+0.6% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$445.8M
+6.6% YoY+2.3% QoQ
|
+$17.3M |
$428.5M
-0.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$565.2M
+8.5% YoY+0.5% QoQ
|
+$25.5M |
$539.8M
+0.9% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
0.4%
+2.0% YoY-19.9% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
2.7%
-5.5% YoY+0.7% QoQ
|
-0.9% |
3.5%
+5.0% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
88.4%
+7.0% YoY-2.6% QoQ
|
+11.8% |
76.6%
-3.6% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
0.5%
-27.5% YoY+20.9% QoQ
|
-0.4 |
0.8%
+3.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
78.9%
-1.8% YoY+1.7% QoQ
|
-0.5% |
79.3%
-1.4% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$27,925
+0.3% YoY-1.3% QoQ
|
+$631 |
$27,294
+4.1% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
26.5%
-1.0% YoY+5.4% QoQ
|
+1.9% | 24.6% | 27.0% | 20.0% | 58% |
| Indirect Auto % |
42.3%
+1.4% YoY+0.7% QoQ
|
+28.7% | 13.6% | 12.3% | 7.7% | Bottom 6.7% in tier |
Signature Analysis
Strengths (0)
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)