BlastPoint's Credit Union Scorecard
PARTNER COLORADO
Charter #62903 · CO
PARTNER COLORADO has 2 strengths but faces 6 concerns
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 6.2% YoY
- + Member Growth Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 12.6% in tier
- - Indirect Auto Dependency: Bottom 25.3% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 12.37% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.4% in tier
- - Indirect Auto Concentration (%): Bottom 7.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,263
+6.2% YoY+1.7% QoQ
|
-2.8K |
38,079
-4.8% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$639.8M
+7.1% YoY+0.1% QoQ
|
+$20.1M |
$619.7M
-0.2% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$435.9M
+8.2% YoY+1.2% QoQ
|
+$16.6M |
$419.3M
-1.4% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
53% |
| Deposits |
$562.2M
+10.1% YoY+7.0% QoQ
|
+$22.7M |
$539.5M
-0.1% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
0.5%
+196.6% YoY+60.1% QoQ
|
-0.2% |
0.7%
+36.0% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
2.6%
+0.7% YoY-3.5% QoQ
|
-0.8% |
3.5%
+4.5% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio |
90.8%
+9.2% YoY+7.1% QoQ
|
+12.4% |
78.4%
-3.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.6% in tier |
| Delinquency Rate |
0.4%
-48.9% YoY-20.7% QoQ
|
-0.3 |
0.7%
-0.9% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
77.5%
-1.7% YoY-5.4% QoQ
|
-0.1% |
77.7%
-1.2% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$28,303
+2.9% YoY+2.6% QoQ
|
+$1K |
$26,927
+3.1% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
69% |
| CD Concentration |
25.1%
-4.7% YoY-10.2% QoQ
|
+0.8% | 24.3% | 26.7% | 19.8% | 54% |
| Indirect Auto % |
42.0%
+3.7% YoY+1.1% QoQ
|
+28.2% | 13.8% | 12.4% | 7.7% | Bottom 7.1% 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)