BlastPoint's Credit Union Scorecard
FELLOWSHIP
Charter #64852 · CO
FELLOWSHIP has 11 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.47% above tier average
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.6% in tier
- + Loan-to-Share Ratio: Top 4.8% in tier
- + Net Charge-Off Rate: Top 4.9% in tier
- + Total Loans: Top 5.7% in tier
- + Deposit Growth Rate: Top 5.7% in tier
- + Asset Growth Rate: Top 6.0% in tier
- + Loan Growth Rate: Top 7.9% in tier
- + Total Members: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -11.1% YoY
- - First Mortgage Concentration (%): Bottom 3.8% in tier
- - Member Growth Rate: Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,838
-11.1% YoY-0.7% QoQ
|
+3.2K |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
Top 9.7% in tier |
| Assets |
$56.5M
+11.9% YoY+4.3% QoQ
|
+$26.3M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$49.8M
+12.5% YoY+0.8% QoQ
|
+$34.0M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
Top 5.7% in tier |
| Deposits |
$50.6M
+12.8% YoY+4.8% QoQ
|
+$24.9M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
1.1%
+53.6% YoY+3.9% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
4.4%
-1.0% YoY-0.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
76.2%
-3.8% YoY-2.1% QoQ
|
-6.4% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
1.3%
+86.9% YoY+8.1% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
98.4%
-0.3% YoY-3.8% QoQ
|
+37.8% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Top 4.9% in tier |
| AMR |
$17,193
+26.7% YoY+3.5% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
26.9%
+30.0% YoY+5.1% QoQ
|
+2.5% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)