BlastPoint's Credit Union Scorecard
YUMA COUNTY
Charter #6424 · CO
YUMA COUNTY has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 5.3% in tier
- + Net Charge-Off Rate: Top 9.3% in tier
- + Loan-to-Member Ratio (LMR): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 7.3% in tier
- - Asset Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,392
+0.5% YoY-0.2% QoQ
|
-233 |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$51.3M
-6.9% YoY-2.7% QoQ
|
+$21.4M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$23.1M
+5.7% YoY-0.4% QoQ
|
+$7.4M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$44.1M
-10.0% YoY-2.8% QoQ
|
+$18.7M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
1.4%
+65.8% YoY-2.0% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
3.5%
+27.4% YoY+0.4% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
64.9%
-11.7% YoY+1.4% QoQ
|
-16.5% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.4% in tier |
| Loan To Share |
52.4%
+17.4% YoY+2.5% QoQ
|
-8.8% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$28,116
-5.6% YoY-1.8% QoQ
|
+$13K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 5.3% in tier |
| CD Concentration |
19.8%
+2.4% YoY+8.2% QoQ
|
-4.6% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)