BlastPoint's Credit Union Scorecard

ARAPAHOE

Charter #64110 · CO

100M-500M

1024 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 0.14% 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 0.54% below tier average
- Efficiency ratio 6.64% above tier (higher cost structure)
- Delinquency rate 0.34% above tier average

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
Shares and deposits -1.7% year over year ($143M in shares and deposits).
Membership: 9,225 members, -10.3% vs a year ago.
Delinquency rate 1.22%.
Return on assets 0.32%.
Efficiency ratio 83.38% vs a 76.73% peer average.
Loan-to-share ratio 65.11% vs a 71.54% 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	9,225 -10.3% YoY-3.3% QoQ	-5.9K	15,168 -2.6% YoY	46,494 +29.3% YoY	34,678 +6.6% YoY	27%
Assets	$154.0M -1.4% YoY-2.1% QoQ	$-78.0M	$232.0M +0.7% YoY	$894.3M +37.1% YoY	$593.1M +10.2% YoY	32%
Loans	$93.2M -6.1% YoY-0.4% QoQ	$-53.1M	$146.3M +0.2% YoY	$702.2M +37.3% YoY	$418.6M +10.1% YoY	32%
Deposits	$143.1M -1.7% YoY-2.1% QoQ	$-57.6M	$200.7M +0.2% YoY	$750.1M +37.6% YoY	$504.8M +10.3% YoY	37%

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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% -214.0% YoY+47.4% QoQ	-0.5%	0.9% +12.5% YoY	0.7% +37.8% YoY	1.2% +121.4% YoY	17%
NIM	3.8% -0.6% YoY+2.6% QoQ	+0.1%	3.7% +4.5% YoY	3.5% +0.2% YoY	3.8% +2.3% YoY	60%
Efficiency Ratio	83.4% -7.5% YoY+0.2% QoQ	+6.6%	76.7% -0.8% YoY	79.8% -0.6% YoY	83.0% -5.3% YoY	70%
Delinquency Rate	1.2% -28.7% YoY-11.0% QoQ	+0.3	0.9% +6.6% YoY	0.8% -1.8% YoY	1.3% +2.6% YoY	78%
Loan To Share	65.1% -4.5% YoY+1.7% QoQ	-6.4%	71.5% -0.3% YoY	72.6% -0.3% YoY	66.4% -1.4% YoY	34%
AMR	$25,606 +7.6% YoY+1.9% QoQ	+$500	$25,107 +3.2% YoY	$24,334 +6.4% YoY	$20,028 -0.9% YoY	63%
CD Concentration	28.0% -6.3% YoY-4.6% QoQ	+3.4%	24.6%	27.0%	20.0%	50%
Indirect Auto %	31.8% -20.2% YoY-3.8% QoQ	+18.2%	13.6%	12.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#236 of 483 • 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): 7.60%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (5)

Stagnation Risk

risk

#12 of 549 • 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): -10.28%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.22%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#36 of 549 • 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): -10.28%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Institutional Decline

decline

#37 of 230 • 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: $154.01M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -10.28%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#281 of 476 • 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): -1.42%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 31.82%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -10.28%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Efficiency Drag

risk

#515 of 531 • 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: 83.38%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.61% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -10.28%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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 1024 peers in tier

Top Strengths (1 metrics)

185

AMR Growth Rate

growth

Value: 7.60%

Peer Median: 3.53%

#185 of 1024 Top 18.0% in 100M-500M tier

Top Weaknesses (9 metrics)

1020

Net Worth Ratio

risk

Value: 7.02%

Peer Median: 11.71%

#1020 of 1024 Bottom 0.5% in 100M-500M tier

996

Member Growth Rate

growth

Value: -10.28%

Peer Median: -0.03%

#996 of 1024 Bottom 2.8% in 100M-500M tier

988

Net Charge-Off Rate

risk

Value: 1.47%

Peer Median: 0.34%

#988 of 1024 Bottom 3.6% in 100M-500M tier

949

Loan Growth Rate

growth

Value: -6.10%

Peer Median: 3.02%

#949 of 1024 Bottom 7.4% in 100M-500M tier

915

Asset Growth Rate

growth

Value: -1.42%

Peer Median: 4.12%

#915 of 1024 Bottom 10.7% in 100M-500M tier

907

Deposit Growth Rate

growth

Value: -1.66%

Peer Median: 3.58%

#907 of 1024 Bottom 11.5% in 100M-500M tier

883

Indirect Auto Concentration (%)

balance_sheet

Value: 31.82%

Peer Median: 6.15%

#883 of 1024 Bottom 13.9% in 100M-500M tier

854

Return on Assets (ROA)

profitability

Value: 0.32%

Peer Median: 0.75%

#854 of 1024 Bottom 16.7% in 100M-500M tier

804

Total Delinquency Rate (60+ days)

risk

Value: 1.22%

Peer Median: 0.71%

#804 of 1024 Bottom 21.6% in 100M-500M tier