BlastPoint's Credit Union Scorecard
CREDIT UNION OF DENVER
Charter #64342 · CO
CREDIT UNION OF DENVER has 2 strengths but faces 8 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
- + Organic Growth Engine: Top 27.2% in tier
- + Members Per Employee (MPE): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.3% in tier
- - Shrinking Wallet Share: Bottom 16.5% in tier
- - Credit Risk Growth: Bottom 23.7% in tier
- - Indirect Auto Dependency: Bottom 29.1% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 1.87% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
- - Fee Income Per Member: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,413
+3.5% YoY+0.4% QoQ
|
-23.3K |
98,678
-1.9% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$1.2B
+1.2% YoY-0.3% QoQ
|
$-536.8M |
$1.7B
+0.5% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$764.9M
+2.5% YoY-0.1% QoQ
|
$-468.1M |
$1.2B
+0.5% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.5% in tier |
| Deposits |
$1.1B
+0.2% YoY-0.7% QoQ
|
$-397.2M |
$1.5B
+1.3% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
25% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+220.0% YoY+56.0% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
3.0%
+16.5% YoY+2.5% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
75.8%
-8.1% YoY-3.7% QoQ
|
+1.9% |
74.0%
-10.9% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.0%
+14.2% YoY+3.3% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
72.4%
+2.3% YoY+0.6% QoQ
|
-12.8% |
85.2%
-0.8% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$24,161
-2.3% YoY-0.9% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
35.6%
-1.1% YoY-1.2% QoQ
|
+6.6% |
29.0%
+0.7% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
79% |
| Indirect Auto % |
23.4%
-16.6% YoY-3.6% QoQ
|
+4.6% |
18.8%
-3.0% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
65% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)