BlastPoint's Credit Union Scorecard

ARAPAHOE

Charter #64110 · CO

1077 CUs in 100M-500M nationally 26 in CO

ARAPAHOE has 3 strengths but faces 13 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 27.1% in tier
+ Net Interest Margin 0.30% above tier average
+ AMR Growth Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 1.3% in tier
- Institutional Decline: Bottom 2.2% in tier
- Indirect Auto Dependency: Bottom 8.8% in tier
- Stagnation Risk: Bottom 16.3% in tier
- Efficiency Drag: Bottom 16.6% in tier
- ROA 1.04% below tier average
- Efficiency ratio 10.81% above tier (higher cost structure)
- Delinquency rate 0.88% above tier average
- Member decline: -12.9% YoY
- Net Worth Ratio: Bottom 0.5% in tier
- Loan Growth Rate: Bottom 2.1% in tier
- Member Growth Rate: Bottom 2.3% in tier
- Net Charge-Off Rate: Bottom 4.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	9,952 -12.9% YoY-3.2% QoQ	-5.7K	15,628 -3.4% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	30%
Assets	$155.9M +1.9% YoY-0.2% QoQ	$-75.4M	$231.3M -0.0% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	33%
Loans	$98.6M -12.4% YoY-0.6% QoQ	$-49.2M	$147.8M -1.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	34%
Deposits	$145.2M +2.2% YoY-0.2% QoQ	$-55.1M	$200.3M -0.0% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.3% +117.6% YoY-11.7% QoQ	-1.0%	0.8% +15.5% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	Bottom 3.2% in tier
NIM	3.9% -7.2% YoY+1.2% QoQ	+0.3%	3.6% +6.9% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	67%
Efficiency Ratio	88.1% +5.9% YoY-2.2% QoQ	+10.8%	77.3% -3.0% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	Top 14.0% in tier
Delinquency Rate	1.7% -17.5% YoY+1.8% QoQ	+0.9	0.9% +7.6% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	Top 10.2% in tier
Loan To Share	67.9% -14.3% YoY-0.4% QoQ	-4.8%	72.7% -1.5% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	37%
AMR	$24,495 +9.8% YoY+2.9% QoQ	+$132	$24,363 +2.9% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	62%
CD Concentration	31.9% +12.4% YoY+6.9% QoQ	+7.5%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	35.6% -25.5% YoY-10.7% QoQ	+21.6%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#131 of 481 • Top 27.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.84%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#23 of 550 • Bottom 1.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -12.86%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY

Institutional Decline

decline

#18 of 256 • Bottom 2.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $155.89M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -12.86%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -12.42%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#142 of 525 • Bottom 8.8% in tier

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

Why This Signature

Asset Growth (YoY): 1.87%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 35.62%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -12.86%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk

#270 of 550 • Bottom 16.3% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -12.86%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -12.42%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.74%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk

#293 of 521 • Bottom 16.6% in tier

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

Why This Signature

Efficiency Ratio: 88.08%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -12.86%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (1 metrics)

105

AMR Growth Rate

growth

Value: 9.84%

Peer Avg: -

#105 of 1077 Top 9.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1073

Net Worth Ratio

risk

Value: 6.64%

Peer Avg: -

#1073 of 1077 Bottom 0.5% in 100M-500M tier

1055

Loan Growth Rate

growth

Value: -12.42%

Peer Avg: -

#1055 of 1077 Bottom 2.1% in 100M-500M tier

1053

Member Growth Rate

growth

Value: -12.86%

Peer Avg: -

#1053 of 1077 Bottom 2.3% in 100M-500M tier

1042

Return on Assets (ROA)

profitability

Value: -0.25%

Peer Avg: -

#1042 of 1077 Bottom 3.3% in 100M-500M tier

1031

Net Charge-Off Rate

risk

Value: 1.41%

Peer Avg: -

#1031 of 1077 Bottom 4.4% in 100M-500M tier

968

Total Delinquency Rate (60+ days)

risk

Value: 1.74%

Peer Avg: -

#968 of 1077 Bottom 10.2% in 100M-500M tier

955

Indirect Auto Concentration (%)

balance_sheet

Value: 35.62%

Peer Avg: -

#955 of 1077 Bottom 11.4% in 100M-500M tier

927

Efficiency Ratio

profitability

Value: 88.08%

Peer Avg: -

#927 of 1077 Bottom 14.0% in 100M-500M tier

833

Share Certificate Concentration (%)

balance_sheet

Value: 31.89%

Peer Avg: -

#833 of 1077 Bottom 22.7% in 100M-500M tier