ARAPAHOE

Charter #64110 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in CO

ARAPAHOE has 4 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 4.7% in tier
  • + Relationship Depth Leader: Top 8.9% 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
 30th in tier
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
 33rd in tier
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
 34th in tier
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
 38th in tier
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
 67th in tier
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
 37th in tier
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
 62nd in tier
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
 50th in tier
Indirect Auto % 35.6%
-25.5% YoY-10.7% QoQ
 +21.7% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#131 of 1006 • Top 4.7% in tier

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

Why This Signature
AMR Growth (YoY): 9.84%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#245 of 1006 • Top 8.9% in tier

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

Why This Signature
AMR Growth (YoY): 9.84%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

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: $231.30M, 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: 3.64%, 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: 13.96%, 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.25%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -12.86%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $24.5K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 31.89%
(Tier: 24.41%, National: 19.60%)
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)

Comparing against 1077 peers in tier

Top Strengths (1 metrics)

105
AMR Growth Rate
growth
Value: 9.84%
Peer Avg: 3.64%
#105 of 1077 Top 9.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1073
Net Worth Ratio
risk
Value: 6.64%
Peer Avg: 12.15%
#1073 of 1077 Bottom 0.5% in 100M-500M tier
1055
Loan Growth Rate
growth
Value: -12.42%
Peer Avg: 3.45%
#1055 of 1077 Bottom 2.1% in 100M-500M tier
1053
Member Growth Rate
growth
Value: -12.86%
Peer Avg: 0.72%
#1053 of 1077 Bottom 2.3% in 100M-500M tier
1042
Return on Assets (ROA)
profitability
Value: -0.25%
Peer Avg: 0.79%
#1042 of 1077 Bottom 3.3% in 100M-500M tier
1031
Net Charge-Off Rate
risk
Value: 1.41%
Peer Avg: 0.47%
#1031 of 1077 Bottom 4.4% in 100M-500M tier
968
Total Delinquency Rate (60+ days)
risk
Value: 1.74%
Peer Avg: 0.86%
#968 of 1077 Bottom 10.2% in 100M-500M tier
955
Indirect Auto Concentration (%)
balance_sheet
Value: 35.62%
Peer Avg: 13.34%
#955 of 1077 Bottom 11.4% in 100M-500M tier
927
Efficiency Ratio
profitability
Value: 88.08%
Peer Avg: 77.28%
#927 of 1077 Bottom 14.0% in 100M-500M tier
833
Share Certificate Concentration (%)
balance_sheet
Value: 31.89%
Peer Avg: 23.61%
#833 of 1077 Bottom 22.7% in 100M-500M tier