BlastPoint's Credit Union Scorecard

ARAPAHOE

Charter #64110 · CO

1069 CUs in 100M-500M nationally 26 in CO

ARAPAHOE has 2 strengths but faces 15 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 46.9% in tier
+ Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 0.2% in tier
- Membership Headwinds: Bottom 5.4% in tier
- Institutional Decline: Bottom 7.5% in tier
- Credit Quality Pressure: Bottom 39.9% in tier
- Indirect Auto Dependency: Bottom 44.5% in tier
- Efficiency Drag: Bottom 62.6% in tier
- ROA 0.70% below tier average
- Efficiency ratio 6.47% above tier (higher cost structure)
- Delinquency rate 1.37% above tier average
- Member decline: -11.0% YoY
- Net Worth Ratio: Bottom 0.5% in tier
- Loan Growth Rate: Bottom 1.8% in tier
- Member Growth Rate: Bottom 2.7% in tier
- Net Charge-Off Rate: Bottom 3.3% in tier
- Total Delinquency Rate (60+ days): Bottom 5.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	9,858 -11.0% YoY-0.9% QoQ	-5.6K	15,437 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	30%
Assets	$156.5M +1.3% YoY+0.4% QoQ	$-75.4M	$231.9M +1.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	33%
Loans	$94.4M -11.3% YoY-4.3% QoQ	$-53.0M	$147.3M -0.1% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	31%
Deposits	$145.4M +1.5% YoY+0.1% QoQ	$-55.4M	$200.8M +0.8% YoY	$583.2M +9.5% YoY	$477.3M +9.7% 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	0.1% -27.0% YoY-124.2% QoQ	-0.7%	0.8% +18.2% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	Bottom 8.1% in tier
NIM	3.9% -5.0% YoY+1.4% QoQ	+0.3%	3.6% +6.7% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	69%
Efficiency Ratio	83.5% +4.1% YoY-5.2% QoQ	+6.5%	77.0% -3.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	73%
Delinquency Rate	2.3% +13.2% YoY+30.4% QoQ	+1.4	0.9% +4.2% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	Top 5.5% in tier
Loan To Share	64.9% -12.6% YoY-4.4% QoQ	-7.3%	72.2% -1.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	32%
AMR	$24,319 +8.0% YoY-0.7% QoQ	$-357	$24,676 +3.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	60%
CD Concentration	29.9% +3.6% YoY-6.3% QoQ	+5.4%	24.4%	26.2%	19.8%	50%
Indirect Auto %	32.7% -27.9% YoY-8.2% QoQ	+18.9%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#241 of 513 • Top 46.9% in tier

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

Why This Signature

AMR Growth (YoY): 7.99%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Stagnation Risk

risk

#2 of 554 • Bottom 0.2% 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): -11.03%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -11.26%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 2.27%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#31 of 554 • Bottom 5.4% in tier

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

Why This Signature

Member Growth (YoY): -11.03%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#19 of 240 • Bottom 7.5% in tier

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

Why This Signature

Total Assets: $156.49M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -11.03%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -11.26%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Credit Quality Pressure

risk

#282 of 705 • Bottom 39.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#226 of 506 • Bottom 44.5% in tier

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

Why This Signature

Asset Growth (YoY): 1.34%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 32.69%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -11.03%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Efficiency Drag

risk

#337 of 538 • Bottom 62.6% in tier

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

Why This Signature

Efficiency Ratio: 83.48%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -11.03%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (1 metrics)

190

AMR Growth Rate

growth

Value: 7.99%

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

Top Weaknesses (8 metrics)

1065

Net Worth Ratio

risk

Value: 6.75%

Peer Median: -

#1065 of 1069 Bottom 0.5% in 100M-500M tier

1051

Loan Growth Rate

growth

Value: -11.26%

Peer Median: -

#1051 of 1069 Bottom 1.8% in 100M-500M tier

1041

Member Growth Rate

growth

Value: -11.03%

Peer Median: -

#1041 of 1069 Bottom 2.7% in 100M-500M tier

1035

Net Charge-Off Rate

risk

Value: 1.69%

Peer Median: -

#1035 of 1069 Bottom 3.3% in 100M-500M tier

1011

Total Delinquency Rate (60+ days)

risk

Value: 2.27%

Peer Median: -

#1011 of 1069 Bottom 5.5% in 100M-500M tier

982

Return on Assets (ROA)

profitability

Value: 0.06%

Peer Median: -

#982 of 1069 Bottom 8.2% in 100M-500M tier

929

Indirect Auto Concentration (%)

balance_sheet

Value: 32.69%

Peer Median: -

#929 of 1069 Bottom 13.2% in 100M-500M tier

831

Asset Growth Rate

growth

Value: 1.34%

Peer Median: -

#831 of 1069 Bottom 22.4% in 100M-500M tier