BlastPoint's Credit Union Scorecard

ARAPAHOE

Charter #64110 · CO

100M-500M

1070 CUs in 100M-500M nationally 26 in CO

ARAPAHOE has 2 strengths but faces 8 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 50.0% in tier
+ Net Interest Margin 0.09% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.51% below tier average
- Efficiency ratio 5.23% above tier (higher cost structure)
- Delinquency rate 0.59% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	9,544 -9.5% YoY-3.2% QoQ	-5.6K	15,145 -2.5% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	29%
Assets	$157.3M +1.4% YoY+0.5% QoQ	$-74.4M	$231.7M +0.8% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	34%
Loans	$93.6M -7.7% YoY-0.9% QoQ	$-50.6M	$144.1M +0.2% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	33%
Deposits	$146.2M +1.0% YoY+0.6% QoQ	$-55.0M	$201.1M +0.4% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	39%

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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	0.2% -138.8% YoY+261.2% QoQ	-0.5%	0.7% +5.1% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	18%
NIM	3.7% +6.1% YoY-5.5% QoQ	+0.1%	3.6% +4.6% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	83.2% -9.4% YoY-0.3% QoQ	+5.2%	78.0% -1.7% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	1.4% -15.8% YoY-39.7% QoQ	+0.6	0.8% +7.1% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	Bottom 13.0% in tier
Loan To Share	64.0% -8.5% YoY-1.4% QoQ	-6.4%	70.4% -0.4% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	34%
AMR	$25,119 +7.6% YoY+3.3% QoQ	+$201	$24,918 +2.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	62%
CD Concentration	29.3% +0.6% YoY-1.9% QoQ	+5.0%	24.3%	26.7%	19.8%	50%
Indirect Auto %	33.1% -23.6% YoY+1.2% QoQ	+19.3%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#230 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 7.62%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#6 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.48%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -7.66%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.37%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#42 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -9.48%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#34 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $157.31M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -9.48%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -7.66%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#214 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 1.36%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 33.09%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -9.48%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#582 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 83.25%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.79% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -9.48%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (1 metrics)

179

AMR Growth Rate

growth

Value: 7.62%

Peer Median: 3.46%

#179 of 1070 Top 16.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1066

Net Worth Ratio

risk

Value: 6.77%

Peer Median: 11.45%

#1066 of 1070 Bottom 0.5% in 100M-500M tier

1032

Member Growth Rate

growth

Value: -9.48%

Peer Median: -0.06%

#1032 of 1070 Bottom 3.6% in 100M-500M tier

1032

Net Charge-Off Rate

risk

Value: 1.59%

Peer Median: 0.35%

#1032 of 1070 Bottom 3.6% in 100M-500M tier

1014

Loan Growth Rate

growth

Value: -7.66%

Peer Median: 2.93%

#1014 of 1070 Bottom 5.3% in 100M-500M tier

934

Indirect Auto Concentration (%)

balance_sheet

Value: 33.09%

Peer Median: 6.61%

#934 of 1070 Bottom 12.8% in 100M-500M tier

932

Total Delinquency Rate (60+ days)

risk

Value: 1.37%

Peer Median: 0.61%

#932 of 1070 Bottom 13.0% in 100M-500M tier

880

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Median: 0.69%

#880 of 1070 Bottom 17.9% in 100M-500M tier