CREDIT UNION OF DENVER

Charter #64342 | CO

1B-3B (304 CUs) Mid-Market (380 CUs)
3 1B-3B in CO

CREDIT UNION OF DENVER has 3 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 17.8% in tier
  • + 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
  • - Liquidity Overhang: Bottom 19.3% in tier
  • - Growth-at-Risk: 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
 34th in tier
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
 Bottom 21.4% in tier
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
 25th in tier
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
 28th in tier
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
 29th in tier
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
 58th in tier
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
 73rd in tier
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
 Bottom 17.4% in tier
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
 30th in tier
CD Concentration 35.6%
-1.1% YoY-1.2% QoQ
 +6.6% 29.0%
+0.8% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 Top 20.8% in tier
Indirect Auto % 23.4%
-16.6% YoY-3.6% QoQ
 +4.6% 18.8%
-2.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 65th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#95 of 184 • Top 17.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.46%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 3.47%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#198 of 246 • Top 27.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.47%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.46%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 23.40%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (5)

Credit Quality Pressure

risk
#118 of 217 • Bottom 15.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.12% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#51 of 83 • Bottom 16.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.28%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Liquidity Overhang

risk
#63 of 113 • Bottom 19.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.40%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 72.36%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

Growth-at-Risk

risk
#133 of 161 • Bottom 23.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.45%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.12% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#180 of 202 • Bottom 29.1% in tier

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

Why This Signature
Asset Growth (YoY): 1.15%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 23.40%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.47%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

21
Members Per Employee (MPE)
engagement
Value: 486.535
Peer Avg: 364.953
#21 of 304 Top 6.6% in 1B-3B tier
36
First Mortgage Concentration (%)
balance_sheet
Value: 17.70%
Peer Avg: 34.01%
#36 of 304 Top 11.5% in 1B-3B tier

Top Weaknesses (9 metrics)

278
Fee Income Per Member
profitability
Value: $125.05
Peer Avg: $210.52
#278 of 304 Bottom 8.9% in 1B-3B tier
269
Total Loans
balance_sheet
Value: $764.91M
Peer Avg: $1.23B
#269 of 304 Bottom 11.8% in 1B-3B tier
266
AMR Growth Rate
growth
Value: -2.28%
Peer Avg: 3.29%
#266 of 304 Bottom 12.8% in 1B-3B tier
256
Deposit Growth Rate
growth
Value: 0.17%
Peer Avg: 5.58%
#256 of 304 Bottom 16.1% in 1B-3B tier
251
Loan-to-Share Ratio
balance_sheet
Value: 72.36%
Peer Avg: 85.19%
#251 of 304 Bottom 17.8% in 1B-3B tier
248
Loan-to-Member Ratio (LMR)
engagement
Value: $10,143
Peer Avg: $13,213
#248 of 304 Bottom 18.8% in 1B-3B tier
247
Share Certificate Concentration (%)
balance_sheet
Value: 35.58%
Peer Avg: 28.53%
#247 of 304 Bottom 19.1% in 1B-3B tier
239
Total Assets
balance_sheet
Value: $1.18B
Peer Avg: $1.72B
#239 of 304 Bottom 21.7% in 1B-3B tier
238
Net Charge-Off Rate
risk
Value: 0.87%
Peer Avg: 0.60%
#238 of 304 Bottom 22.0% in 1B-3B tier