BlastPoint's Credit Union Scorecard
CREDIT UNION OF DENVER
Charter #64342 · CO
CREDIT UNION OF DENVER has 2 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 66.7% in tier
- + Members Per Employee (MPE): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 87.6% in tier
- - Indirect Auto Dependency: Bottom 89.8% in tier
- - Deposit Outflow: Bottom 91.9% in tier
- - ROA 0.19% below tier average
- - Fee Income Per Member: Bottom 3.0% in tier
- - Deposit Growth Rate: Bottom 10.0% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Colorado.
- Shares and deposits -1.1% year over year ($1.05B in shares and deposits).
- Membership: 76,333 members, +1.7% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 0.63%.
- Efficiency ratio 71.99% vs a 73.02% peer average.
- Loan-to-share ratio 73.30% vs a 84.71% 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 |
76,333
+1.7% YoY+1.3% QoQ
|
-20.5K |
96,861
-1.9% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$1.2B
-0.5% YoY-1.2% QoQ
|
$-543.8M |
$1.7B
+0.4% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$771.4M
+0.7% YoY+0.9% QoQ
|
$-462.9M |
$1.2B
+0.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.0% in tier |
| Deposits |
$1.1B
-1.1% YoY-1.4% QoQ
|
$-411.0M |
$1.5B
+0.5% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.6%
+115.6% YoY+12.5% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.3%
+11.2% YoY+2.0% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
72.0%
-8.6% YoY-0.8% QoQ
|
-1.0% |
73.0%
-2.7% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
0.5%
-48.4% YoY+13.5% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
27% |
| Loan To Share |
73.3%
+1.9% YoY+2.4% QoQ
|
-11.4% |
84.7%
+0.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$23,892
-2.0% YoY-1.7% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
35.0%
-2.8% YoY+0.5% QoQ
|
+5.9% | 29.1% | 27.0% | 20.0% | 76% |
| Indirect Auto % |
20.5%
-15.7% YoY-9.9% QoQ
|
+2.4% | 18.1% | 12.3% | 7.7% | 62% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)