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
- + Organic Growth Engine: Top 89.0% in tier
- + Members Per Employee (MPE): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 39.7% in tier
- - Indirect Auto Dependency: Bottom 90.8% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 3.71% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 3.6% in tier
- - AMR Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,924
+3.6% YoY-0.6% QoQ
|
-22.5K |
97,431
-2.4% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$1.2B
+1.7% YoY+0.4% QoQ
|
$-536.5M |
$1.7B
+0.9% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$758.3M
-0.5% YoY-0.9% QoQ
|
$-476.1M |
$1.2B
+0.5% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.9% in tier |
| Deposits |
$1.1B
-0.0% YoY+0.2% QoQ
|
$-399.6M |
$1.5B
+0.9% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
0.3%
+136.6% YoY-35.5% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
3.1%
+16.6% YoY+1.4% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
77.8%
-3.8% YoY+2.5% QoQ
|
+3.7% |
74.1%
-9.5% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.7%
-22.6% YoY-26.1% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
71.6%
-0.5% YoY-1.1% QoQ
|
-13.2% |
84.8%
-0.8% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$24,266
-3.7% YoY+0.4% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
35.6%
-1.3% YoY+0.1% QoQ
|
+6.6% | 29.0% | 26.2% | 19.8% | 78% |
| Indirect Auto % |
22.6%
-15.6% YoY-3.2% QoQ
|
+4.3% | 18.3% | 12.2% | 7.8% | 65% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
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.
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)